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My journey with Kin and some positive/constructive thoughts for Ted and team

It's been a disappointing week for many I’m sure (other than the haters but what's new).
I don't usually share my thoughts on reddit, but with the events that have transpired I just felt it was time to finally contribute to the community I've been glued to since the spring of 2018.
I started purchasing Kin towards the end of 2017 (few months after ICO). Kin first caught my attention after I pulled out of Bitcoin when the bubble had started bursting. In my mind, this was such a unique proposition and I saw no other coin that matched Kin's potential at the time. I had just been a few years out of a top MBA program and studied under some of tech industries' leaders, and to me this was an opportunity of a lifetime.
I loved the vision that Ted had for Kin. It was not just about elevating his own company Kik, but finding a way to level the playing field and elevating all the smaller players in the tech space. It is true that tech strategy has enabled a winner take all economy and has made it unfair for many, and I wanted to see something challenge this dangerous path we all are on. And over the years I kept purchasing Kin believing in its potential and what it stood for.
Unfortunately, I may have acquired way too much with the way the trial has turned out this week. I won't lie I was extremely discouraged and angry to take a significant loss. But I'm not pointing fingers at Ted and I don't think bashing this project has ever been the right response. Being a product manager in tech, I know just how difficult it is to launch straight-forward, incremental products. To actually try something potentially revolutionary and truly disruptive, well that just takes a lot of guts and grit. From a PM and entrepreneurial angle, I have tons of respect for Ted and everyone that has been involved in moving this project forward. That was quite the fight you all put up over the years, and I know a lot of pain involved.
Though it's heavy for me now, I don't think I'll end up regretting the decision to participate in this project. I'd like to think I make decent money moves with logic guiding me and emotions out of it. The decision trees I made for this project still make sense to this day. And I followed the progress and data closely - being a big believer in making data-driven decisions. But admittedly, maybe some of it was hype or emotions that made me not see this clearer. I overlooked the incumbent or "competition". Let's be real here, many of us did. But why do I say I won't have any regrets? Because how often does the common person get to participate in a potential tech revolution from the early stages. I'm not seeing any world-changing companies giving me a chance to put money in the ground stage anytime soon. Still hurts, but like I said I did my calculations and believed I took a shot at something potentially life-changing. That's how I see it.
My timeline has always been that this was likely going to take at least 7 years to figure out (without external intervention). Most major tech companies took that long to figure it out (even Bitcoin took 8 years before it caught on). So it's tough to see that we may be nearing the end of the road without truly knowing what this product can do. But I'm writing this to encourage Ted and team, and hoping they will make the right moves for the project and those who supported it over the years. I remember that former moderators/ambassadors have mentioned that Ted would "take care" of those that have supported Kin. So I figured I would bring it up as Ted goes into the negotiation/"assessing options" phase. I'm not going to pretend what's the right move or what options are available (I'm intrigued by decentralization and open source but not sure if that's even an option). But hopefully it will be made with sound strategy and without emotions for the betterment of everyone involved (even those that came in after the ICO). If Ted truly believes he has the resources to make this work knowing what he's truly up against, then great, I'll keep supporting and patiently observe. But if, the resources are limited, I hope there's some creative solution that can be achieved. I'd like to think the Kin technology is still incredibly valuable and useful, and that it can be used to the benefit of all that supported it. I also don't want to see countries outside the US to run circles around the US in crypto. Basically, I wanted to throw in another train of thought other than the negative sentiments or ideal scenarios to the discussion.
I gotta imagine that this whole journey has been incredibly tough for Ted and team. Having to sell Kik and endure trials of various kinds. No way I could've gone through that, and so you have my respect. I'm guessing the pressure is even higher now, but I hope you don't forget us in the next moves you make, Ted.

TLDR:
(1) One man's journey with Kin, and why my perception has not changed after 3 years.
(2) Encouragement to Ted and team to pull off something that works for everyone.
submitted by calibearr7 to KinFoundation [link] [comments]

List of moderately difficult skribbl words for your new friend group (1200+ words)

That is to say that this list contains words that this list contains words that:
  1. Usually aren't instantly guess-able (like star, apple, or Nike).
  2. Can be played with a group of acquaintances (I play with a group of interns at work to blow off time)
Created this list by modifying an existing difficult word list we found online and adding a bunch of new words. If you see a stupid difficult word, it was probably a word from the existing difficult word list that I forgot to remove. (amicable and reimbursement were the type of bs I removed lol).
abraham lincoln, accordion, accounting, acre, actor, adidas, advertisement, air conditioner, aircraft carrier, airport security, alarm clock, alcohol, alert, alice in wonderland, alphabet, altitude, amusement park, angel, angle, angry, ankle, apathetic, apathy, apparatus, applause, application, apron, archaeologist, archer, armada, arrows, art gallery, ashamed, asteroid, athlete, atlantis, atlas, atmosphere, attack, attic, audi, aunt, austin powers, australia, author, avalanche, avocado, award, baby, baby-sitter, back flip, back seat, baggage, baguette, baker, balance beam, bald, balloon, bamboo, banister, barbershop, barney, baseboards, bat, beans, beanstalk, beard, bed and breakfast, bedbug, beer pong, belt, beluga whale, berlin wall, bible, biceps, bikini, binder, biohazard, biology, birthday, biscuit, bisexual, bitcoin, black hole, blacksmith, bleach, blizzard, blueprint, bluetooth, blunt, blush, boa constrictor, bobsled, bonnet, book, bookend, bookstore, border, boromir, bottle cap, boulevard, boundary, bow tie, bowling, boxing, braces, brain, brainstorm, brand, bride, bride wig, bruise, brunette, bubble, bubble bath, bucket, buckle, buffalo, bugs bunny, bulldog, bumble bee, bunny, burrito, bus, bushel, butterfly, buzz lightyear, cabin, cable car, cadaver, cake, calculator, calendar, calf, calm, camera, cannon, cape, captain, captain america, car, car accident, carat, cardboard, carnival, carpenter, carpet, cartography, cartoon, cartoonist, castaway, castle, cat, catalog, cattle, cd, ceiling, cell, cellar, centimetre, centipede, century, chain mail, chain saw, chair, champion, chandelier, channel, chaos, charger, chariot, chariot racing, check, cheerleader, cheerleader dust, chef, chemical, cherub, chess, chevrolet, chick-fil-a, chicken coop, chicken legs, chicken nugget, chime, chimney, china, chisel, chord, church, circus tent, clamp, classroom, cleaning spray, cliff, cliff diving, climate, clique, cloak, clog, clown, clue, coach, coast, cockpit, coconut, coffee, coil, comedian, comfy, commercial, community, companion, company, compare, comparison, compromise, computer, computer monitor, con, confidant, confide, consent, constrictor, convenience store, conversation, convertible, conveyor belt, copyright, cord, corduroy, coronavirus, correct, cot, country, county fair, courthouse, cousin, cowboy, coworker, cramp, crane, cranium, crate, crayon, cream, creator, credit, crew, crib, crime, crisp, criticize, crop duster, crow's nest, cruise, cruise ship, crumbs, crust, cubicle, cubit, cupcake, curtain, cushion, customer, cutlass, czar, dab, daffy duck, dance, danger, darth vader, darts, dashboard, daughter, dead end, deadpool, deceive, decipher, deep, default, defect, degree, deliver, demanding, demon, dent, dentist, deodorant, depth, descendant, destruction, detail, detective, diagonal, dice, dictate, disco, disc jockey, discovery, disgust, dismantle, distraction, ditch, diver, diversify, diversity, diving, divorce, dizzy, dodge ball, dog, dolphin, donald trump, doorbell, doppelganger, dorsal, double, doubloon, doubt, doubtful, download, downpour, dragon, drain, dream, dream works, dress shirt, drift, drip, dripping, drive-through, drought, drowning, drugstore, dryer, dryer sheet, dryer sheets, dugout, dumbbell, dumbo, dust, dust bunny, duvet, earache, earmuffs, earthquake, economics, edge, edit, education, eel, effect, egg, eiffel tower, eighteen-wheeler, electrical outlet, elf, elope, emigrate, emotions, emperor, employee, enemy, engaged, equation, error, eureka, everglades, evolution, exam, exercise, exhibition, expired, explore, exponential, extension, extension cord, eyeball, fabric, factory, fad, fade, fake flowers, family tree, fan, fast food, faucet, feather, feeder road, feeling, ferris wheel, fiddle, figment, finding nemo, firefighter, firefox, fireman, fireman pole, fireplace, fireside, fireworks, first class, first mate, fish bone, fishing, fizz, flag, flat, flavor, flight, flip flops, flock, florist, flotsam, flowchart, flower, flu, flute, flutter, flying saucer, fog, foil, food court, football player, forklift, form, forrest gump, fossil, fowl, fragment, frame, fresh water, freshwater, friction, fries, front, frost, fuel, full, full moon, fun, fun house, funnel, fur, galaxy, gallon, gallop, game, gamer, garden, garden hose, gas station, gasoline, gavel, gentleman, geologist, germ, germany, geyser, giant, ginger, giraffe, gladiator, glasses, glitter, glue, glue stick, goalkeeper, goatee, goblin, gold, gold medal, golden retriever, gondola, good-bye, government, gown, graduation, grain, grandpa, gratitude, graveyard, gravity, great-grandfather, grenade, grill, grim reaper, groom, groot, group, guess, guillotine, gumball, guru, gymnast, hail, hair dryer, haircut, half, hand soap, handful, handle, hang, hang glider, hang ten, harry potter, hawaii, hay wagon, hearse, heater, heaven, helmet, hermit crab, high heel, high tops, highchair, hitler, hockey, homework, honk, hoodies, hoop, hopscotch, hot, hot dog, hot fuzz, hot tub, hotel, houseboat, human, humidity, hunter, hurdle, husband, hut, hydrant, hydrogen, hypothermia, ice, ice cream cone, ice fishing, icicle, idea, igloo, illuminati, implode, important, improve, in-law, incisor, income, income tax, index, inertia, infect, inglorious bastards, inside out, insurance, interception, interference, interject, internet, invent, invisible, invitation, iron man, ironic, irrational, irrigation, isaac newton, island, ivy, ivy full, jackhammer, japan, jaw, jazz, jedi, jellyfish, jet lag, jig, jigsaw, joke, joker, journal, juggle, jump rope, jungle, junk, junk drawer, junk mail, justice, kangaroo, ketchup, kill bill, killer, kilogram, kim possible, kiss, kitten, kiwi, kit-kat, kneel, knight, koala, lace, lady bug, ladybug, lamp, lance, landfill, landlord, lap, laptop, last, laundry detergent, layover, leak, leap year, learn, leather, lebron james, lecture, legolas, leprechaun, letter, letter opener, lettuce, level, lice, lichen, lie, lifeguard, lifejacket, lifestyle, light, lightning, lightning mcqueen, lightsaber, limit, lion, lipstick, living room, lobster, logo, loiterer, lollipop, loonie, lord of the rings, lottery, love, loveseat, loyalty, lullaby, lumberjack, lumberyard, lunar eclipse, lunar rover, lung, lyrics, macaroni, machete, machine, macho, magnet, mailbox, makeup, mammoth, manatee, mark zuckerberg, martian, mascot, mascot fireman, mask, mast, mastercard, mat, mayhem, mechanic, megaphone, member, memory, mercedes benz, mermaid, meteor, michael scott, michelangelo, microscope, microsoft, microsoft word, microwave, midnight, migrate, millionaire, mime, mine, mine car, miner, minivan, mirror, missile, mitten, mohawk, moisturizer, molar, mold, mom, monsoon, monster, monsters inc, mooch, moonwalk, moth, mount rushmore, mozart, mr potato head, mulan, mummy, music, mysterious, myth, name, nanny, naruto, navigate, negotiate, neighborhood, nemo, nepal, nest, netflix, neutron, newsletter, night, nightmare, nike, north pole, nose, nostril, nurse, nutmeg, oar, obey, observatory, office, offstage, olive oil, olympics, one-way street, opaque, optometrist, orange juice, orbit, organ, organize, ornament, ornithologist, ounce, oven, owl, oyster, pacific ocean, pacifier, page, pail, pain, palace, pancakes, panda, panic, pantyhose, paper plate, paperclip, parade, paranoid, parent, parking garage, parley, parody, partner, password, pastry, patrick starr, pawnshop, peace, peacock, peanut, peasant, pelt, pen pal, pendulum, pepsi, periwinkle, personal, pest, pet store, petroleum, pharaoh, pharmacist, philosopher, phineas and ferb, phone, photo, piano, pickup truck, picnic, pigpen, pigtails, pile, pilgrim, pilot, pinboard, pineapple express, ping pong, pink panther, pipe, pirate, pizza, pizza sauce, plan, plank, plantation, plastic, playground, pleasure, plow, plumber, pocket, pocket watch, point, pokeball, pokemon, pole, police, pomp, pompous, pong, popeye, population, portfolio, positive, positive champion, post, post office, practice, president, preteen, prey, prime meridian, printer ink, prize, produce, professor, profit, promise, propose, protestant, psychologist, publisher, pumpkin, pumpkin pie, punching bag, punishment, punk, puppet, putty, quadrant, quarantine, quartz, queue, quicksand, quit, quiver, raccoon, race, raft, rage, rainbow, raindrop, rainwater, random, raphael, ratatouille, ratchet, ray, reaction, realm, ream, receipt, recess, record, recorder, recycle, referee, refund, regret, religion, remain, resourceful, rest stop, retail, retire, reveal, revenge, reward, rhyme, rhythm, rib, rick and morty, riddle, right, rim, rind, ringleader, risk, rival, robe, robot, rock band, rocket, rodeo, roller coaster, roommate, roundabout, rowboat, rubber, ruby, rudder, runt, rv, s'mores, safe, salmon, salt, sand castle, sandbox, sandbox bruise, sandpaper, santa claus, sap, sapphire, sash, sasquatch, satellite, saturn, sausage, saxophone, scarf, scatter, schedule, school, school bus, science, scissors, scooby doo, scrambled eggs, scream, screwdriver, script, scuba diving, scythe, seahorse, season, seat, seat belt, seed, serial killer, servant, sewer, shaft, shakespeare, shame, shampoo, sheep, sheets, shelter, sherlock holmes, shipwreck, shoelace, shopping cart, shotgun wedding, shower, shower curtain, shrew, shrink, shrink ray, sickle, sidekick, siesta, signal, silhouette, silt, simba, simpsons, skateboard, skating rink, ski goggles, ski lift, skip, skipping rope, skydiving, slack, sleep, sleet, slim shady, slipper, slump, snag, snapchat, sneeze, snooze, snore, snow globe, snowball, snowflake, soak, social distancing, socks, softball, solar eclipse, somersault, song, sophomore, soul, soulmate, soviet russia, space, space-time, spaceship, spaghetti, spare, speakers, spiderman, spirited away, sponge, spoon, spotify, spring, sprinkler, squat, stage, stage fright, stagecoach, stairs, staple, starbucks, starfish, startup, star trek, statement, stationery, statue of liberty, stay, steamboat, steel drum, stethoscope, stew, stewie griffin, sticky note, stingray, stockings, stork, storm trooper, story, stout, stowaway, stranger, strawberry, streamline, student, stuff, stun, submarine, sugar, suit, sun, sunburn, sunlight, sunscreen, superbad, superman, surfing, sushi, swamp, swarm, sweater, swim shorts, swing dancing, switzerland, swimming, syringe, system, tachometer, taco bell, tadpole, tag, tank, tattle, taxes, taxi, teabag, team, tearful, teenage mutant ninja turtle, teenager, teepee, telepathy, telephone booth, telescope, temper, ten, tesla, testify, tetris, thanos, the beatles, the dark knight, the prestige, theory, think, thread, thrift store, throne, ticket, tide, time, timeline, time machine, time zone, tin, tinting, tiptoe, tire, tissue box, toast, today, toddler, toilet paper, toll road, tomato sauce, tombstone, toothbrush, toothpaste, top hat, torch, tornado, toronto maple leafs, tourist, tournament, tow, tow truck, toy store, toy story, trademark, traffic jam, trail, trailer, train, train tracks, transformers, translate, transpose, trapped, trash bag, trash can, trawler, treatment, trench coat, tricycle, trip, trombone, truck, truck stop, tsunami, tub, tuba, tug, tugboat, turret, tutor, tutu, twang, twitter, umbrella, unemployed, united states, university, upgrade, vacation, vampire, van, vanilla, vanquish, vegan, vegetarian, vehicle, vein, venn diagram, vest, villain, violent, vision, vitamin, voice, voicemail, volleyball, wag, wall-e, wallet, wallow, wasabi, washing machine, water, water buffalo, water cycle, water vapor, wax, wealth, weather, wedding, wedding cake, weed, welder, werewolf, wet, wetlands, whale, whatsapp, whey, whip, whiplash, whisk, wifi, wig, wikipedia, win, wind, winnie the pooh, wish, witch, wizard, wolverine, woody, workout, world, wormhole, writhe, yacht, yak, yard, yardstick, yawn, yeti, yin yang, yoda, yodel, yolk, youtube, zamboni, zen, zero, zeus, zip code, zipper, zombie, zombieland, zoo
submitted by skribblwords to skribbl [link] [comments]

Bottos chain CEO Li Xiang: The future of data securitization, everyone is Xiaolai Li

Bottos chain CEO Li Xiang: The future of data securitization, everyone is Xiaolai Li
A few days ago, the IFIC International Financial Technology Innovation Summit, hosted by People’s Daily People’s Digital, Sanya City Bureau of Commerce, FINWEX, and Guoyin Jinkong, was held in Sanya. At the meeting, Bottos Chain CEO Li Xiang made the theme “The Hope of Machine Civilization”. The speech shows the basic positioning of the Bottos chain “the infrastructure that focuses on artificial intelligence, the application platform that serves data, algorithms and computing power”, and outlines the evolutionary framework of machine civilization to replace industrial civilization. During the meeting, Golden Finance interviewed the Bottos chain CEO Li Xiang.


Bottos CEO Li Xiang

Golden Finance: Please introduce the development track of the Bottos chain?

Li Xiang: According to different development periods, we divide the Bottos chain into 1.0, 2.0 and 3.0.
From 2017 to 2019, Bottos Chain 1.0 — positioned as an artificial intelligence infrastructure. Our entire team spent a year and a half developing BottosChain from 0 to 1, and open source at the end of May 2018, and officially handed over the community to decentralization in December of the same year. As a self-originating public chain, the Bottos chain BottosChain has its own independent property rights in many key technologies. At present, we have applied for 3 key technology patents, which are very flexible in the whole architecture design. We reserve the interface for the AI ​​empowering blockchain, and at the same time have great advantages in commercial performance, and do everything possible to lower the threshold. From 2019 to 2021, it will be Bottos Chain 2.0 — positioned in the artificial intelligence industry. Our goal is to help 10,000 smart DApps to land, securing massive amounts of user data assets, and letting data, computing power, algorithms and other production materials Fast exchange, spiraling out higher AI wisdom, allowing the industry to achieve a higher premium. From 2022 to 2025, the Bottos chain 3.0 is positioned as a revolution in the AI ​​back-feeding blockchain. Based on the accumulated industrial data and machine intelligence of the Bottos chain 2.0, the Bottos chain will pass the underlying code to the robot to optimize and rewrite. The ultimate goal of the first public chain of artificial intelligence. I believe that by 2025, humans no longer need to work. The machine is not only fully qualified for labor, but also the underlying code of the blockchain. In the future, the Bottos chain platform will be used to divide the value of machines and people. At that time, human intelligence will be You can explore the stars and explore the bigger unknowns.

Golden Finance: What do you think is the biggest value of the blockchain?

Li Xiang: Rather than saying that the blockchain creates new value, it is better to say that the blockchain will not be released from the statistical stock value. For example, each of us is generating massive amounts of data every day. When these data are securitized by the blockchain, everyone is Xiaolai Li. The digital economics of Bottos chain cognition is the use of blockchain technology to redistribute the productivity of the digital economy through data, algorithms, and computational power. The Bottos chain is positioned to carry the evolution of artificial intelligence using blockchain technology, and we must share Data asset securitization will bring huge value dividends.
In the era of the Internet, data is centralized, and data obtained from users at no cost has created giant companies such as BAT. In the blockchain era, personal data will truly belong to individuals. Due to the popularity of 5G-promoted ubiquitous Internet of Things, the silent data of tera-sensors will be activated to generate new artificial intelligence, between individuals and individuals outside the BAT client. Obtaining the possibility of peer-to-peer direct sharing of data, we do not need to snatch data from Internet packets, but exchange data directly from the bottom of the sensor through the Internet of Everything. The exchange and superposition of data and data has spawned the spiral evolution of algorithms and computational forces, and then returns the generated value to the individuals of the data source. We can see that the platform built by the Bottos chain carries the closed-loop value of data, algorithms and computing power in the machine civilization. Artificial intelligence is one of the few blockchain fields that can construct an all-digital closed loop. Artificial intelligence is also the only way to bypass Taobao WeChat. This is the value chain of the centralized application, which is the original intention of the Bottos chain to locate artificial intelligence. In the field of artificial intelligence, the main source of value of Keda Xunfei and Shangtang Technology is the free data source provided by millions of users. We can imagine that the market value of the two companies will be divided into millions of users, and the per capita capital will be renewed. Assigning the scene, this is the mission of the Bottos chain.

Golden Finance: How do you see the relationship between artificial intelligence and blockchain now?

Li Xiang: Artificial intelligence is productivity, blockchain is production relations, productivity is that I can destroy you, production relationship is that I can’t directly destroy you, but I can offer the best person to destroy. Productivity creates value, and production relations drive productivity, so they are complementary and can be understood as the poles of Tai Chi. So how many blockchains in the future will have a lot of blockchains to help him achieve value, otherwise he can’t live alone because he didn’t make money. Suppose a developer researches an algorithm, including Bitcoin, which is an algorithm that requires a set of value chains to collaborate and a set of cross-organizational value exchange systems to support. Without a value chain and value mitigation, this algorithm cannot be separated. survive. We have restored this form of bitcoin to countless entrepreneurs, technology workers, man-machine warriors, and data providers, so that they can make new money. Intelligent hardware far exceeds the commercial value of traditional hardware. It comes from its semi-soft and semi-hard features. The soft part can not only capture hard information, perform edge calculation, but also self-purify to rewrite the working mode of hardware. We can simply Understood as a line upgrade on Apple phones. But traditional hardware, it is only hard and not soft, his data is wasted, and he can’t self-evolve. So, the combination of soft and hard is a new life state of the new life, which is the basic unit of machine civilization. Everything in the future is soft and hard, it generates data, and the hardware becomes a living body. This kind of living body will evolve from industrial civilization to machine civilization if it evolves from industrial civilization to machine civilization if it evolves into machines that build machines and machines that write programs (we are writing artificial contracts directly with artificial intelligence).

Golden Finance: What difficulties and challenges did Bottos encounter from its inception to the present, and which pits have been crossed?

Li Xiang: From 2017 to 2019, we have experienced some minor storms. In general, it is a challenge all the way, but in the end, it will turn into a growing nectar. The first is the cognitive challenge. We are a revolutionary platform. Therefore, we advocate the spirit of geeks. Only by breaking through the cognition can we change the world. We believe that the artificial intelligence + blockchain can rewrite human civilization. The future is the age of machine civilization. Everyone is worth the money. It can support countless robots. At the same time, everyone is very profitable because he participates in and shares the feast of machine civilization. This is a huge bonus that the Bottos chain hopes to excavate. Secondly, the technical challenge, blockchain + AI is extremely brain-burning, when black technology encounters black technology, if there is no deep understanding of the two industries, there is no great courage and determination, this double track It is very difficult to do it. Finally, there are challenges in the quality of the team. In the process of project development, there will always be a low point. When there are pressures from all sides, there are new people joining the old people on the road, how the core team keeps the initial heart and the front, I think it is the project. The core factor that can ultimately achieve the goal.

Golden Finance: What is the possible type or industry of DAPP in the future Bottos chain?

Li Xiang: Focusing on data and sensor algorithms, there are many application scenarios, such as travel scenarios, smart home scenarios, car networking scenarios, and then there are a large number of scenarios on the mobile side, or reversed according to value, as long as it can correspond to a billion-dollar The centralized enterprise, we all have the possibility to create a mechanism to take back. At present, artificial intelligence has begun to erupt from visual hearing, such as Keda Xunfei and Shangtang Technology, which have begun to gain a lot of application value. The reason is that the standard of the Turing test is to let the machine have the ability to talk with people. This ability comes first from simulating human perception. The meaning of the sensor is to digitally simulate the five senses of people and generate massive data. So now we see that artificial intelligence breaks through from hearing and vision first, because human sensors and radios are the crystallization of human sensors that are close to a hundred years of development, and the sensors of touch, smell and taste need to evolve gradually. . With five senses, we also need to think about thinking. Google’s man-machine war is the application of thinking. With thinking and driving feedback, Google’s Boston Power Robot is the application that drives feedback. Google is a monument to artificial intelligence, its valuation is more than 800 billion US dollars, and countless Keda Xunfei in the world are catching up with speed. It is conceivable that the Bottos chain stands at a dawn moment when a great era is about to open. We not only hope to remind the birth of countless Google, but also hope that these “new Google” will repay the millions of wealth of Xiaolai Li.

If you aren’t already in our group, please join now! https://t.me/bottosofficial
Bottos Website | Twitter |Facebook | Telegram
submitted by BOTTOS_AI to Bottos [link] [comments]

Electroneum and Who is Richard Ells? My 1-on-1.

Earlier this week, during the 2018 BCI Summit in New York, I had the pleasure and honor of meeting and speaking with Richard Ells. It is not the same as watching someone on the screen I assure you. After exchanging formalities and introductions I looked into his eyes and I knew: “He's the kind of guy you would just want to do Business with.” And now I will tell you why.
I had several conversations with Mr. Ells throughout the course of The Summit and he did not disappoint, even when asked difficult questions. Richard Ells is a very hard-working individual working 7 days a week and firing on all cylinders. He has dedicated himself to this project and to the Electroneum community, so next time you want to ask the silly question or post a negative comment please think twice. Mr. Ells is working around the clock trying to deliver everything that he said he would (especially and even during the times of extreme pressure).
Here is what I saw in DirectoCEO Richard Ells; who he really is, and why I believe he can and will make Electroneum a successful project. Blockchain, cryptocurrency, and decentralized economies are changing the way humanity interacts with the world. We are talking about a change on a huge scale. Being involved in the crypto space can be overwhelming at times. Although crypto trading can be fun and enjoyable, having a healthy and balanced lifestyle is very important. In today’s dynamic world of information and misinformation it is hard to distinguish what is real and true and what is not. There are over 1600 cryptocurrencies and more are added everyday, so how can one know which if any are going to be here in 5 years? Due diligence alone is no longer going to cut it, you have to go out and meet the people/person behind the project. Only then can you be certain that you have made a sound decision based on your own research. I have been involved in crypto projects for a while; finding the diamonds in the rough is not an easy task. Knowing what we know today, many of you would love to go back in time and get in BTC or ETH when they were just starting.
Electroneum is your most likely opportunity to be part of a project that has as much potential, if not more, as the very best BTC. I just lost half of you there; the half that continue reading will be rewarded. I know it is not enough for me to say Electroneum is one of the most exciting and new projects available today, and during this market correction there is ample opportunity to pick up Electroenum (ETN) at highly discounted rates. So please allow me to explain why I believe Electroneum is THE diamond you are looking for and why Richard Ells is THE Man for the Job.
I have done an extensive research on the project itself but more importantly on the man at the helm – Richard Ells – Director of Electroneum. What separates Mr. Ells from other crypto projects and their teams is important as most people are very skeptical about bitcoin and crypto in general. So what makes him so special? In the world of cryptos you do not have to be the strongest or the fastest: what you need is the ability to take action and execute on your vision with the right amount talent and support, and more importantly passion and motivation. There are few small groups of people that will dispute my finding and question my research, but I assure you that none of them spent any time doing any research, let alone go out and meet one-on-one with Richard Ells. These are the same small disgruntled individuals that spread negative and often false information on the internet about Electroneum and the project itself.
There are millions of companies out there in the world, each and every one of them is run by a group of individuals, CEOs, and Board of Directors. What makes Richard an excellent Director is that he is a calculated risk taker who takes action, ready to dive deep into the future of uncertainty. The cryptosphere certainly has its fair share of fear, uncertainty, and doubt (FUD). But not all risk takers are successful entrepreneurs. Richard Ells is a successful business owner willing to risk his name, time and money on the unknowns. I learned he also keeps resources and he plans ahead, keeping plenty of reserves for dealing with the unforeseen. Let me be perfectly clear: Richard Ells has already taken measures so that Electroneum is fully prepared for the regulatory changing landscape in the event major changes should occur.
When evaluating risk, a successful person like Richard Ells will ask if the risk is worth the cost of his career, his name, time, family and money. His intense focus on and faith in the Electroneum project may be misconstrued as stubbornness. I can tell you he is 100% dedicated and committed to the success of Electroenum, often working 7 days a week clocking nearly 100 hours, to the point where his eyes are so red and puffy that he can no longer see (I’m not making this up, this is literally how hard the gentleman works).
One might ask how can I be so sure that Richard Ells and Electroneum will succeed, well the honest answer is it’s impossible to know. If we knew all the answers to the future we would not be here right now. Analyzing and understanding the potential of a project in the crypto world can be both tricky and frustrating. There are no quick and dirty methods of analysis that can forecast or spell out the future of Electroneum. There are however some parameters that can help you understand where the project is most likely to go and how to gauge if the coin is a good potential investment. Some understanding of the crypto market is always better than no understanding which is unfortunately often the case in today’s world. The media have been painting a negative picture all around bitcoin and most other crypto projects, so how can you tell if this is the one? Mass Adoption, Patent Pending - Instant Cryptocurrency Payments - and Micro Subscription Payments are just a few reasons why Electroneum is THE coin that may turn this market upside down flip the script on this space, paving the way for mass adoption.
Richard Ells has the business plan, the backbone of any serious company, and he has the auxiliary plan and contingencies in place in order to prevent the unthinkable. This plan is about building a business from scratch while managing limited resources including time, money and personal relationships. Trying to plan for everything and having a ready solution in place for all possible issues and scenarios is not possible. Electroneum had experienced some hiccups along the way, and every time it has risen like a phoenix and pushed forward. Electroneum will continue to push forward, paving the way and becoming successful because Richard Ells is NOT going after the 1% that are in crypto today; he is going after the 99% who are not involved at all.
The road to Mass Adoption will not be an easy journey and it will not be a parabolic shot to the moon. If you have jumped into the Electroneum with unrealistic expectations because you have watched a few videos, hoping for overnight 1000x returns and instantly becoming a millionaire, then you have not done your due diligence and you can only blame yourself not Richard Ells or Electroneum. Predicting cryptocurrency prices is a fool’s errand and there is no algorithm or a computer that can accurately predict anything in the crypto world. Electroneum is no different, it follows certain standards like Bitcoin Standard due to pairing on exchanges. This however will soon change as the framework for new regulation is being explored every day, and we can further expect to see this landscape change as the SEC and other regulatory agencies in the world begin regulating the buying and selling of cryptocurrencies in very real ways.
There are many companies in the world that have been involved in “Instant Payments” but not Crypto Instant Payments. Richard Ells and Electroneum have created something that didn't already exist, patented it globally (their patent covers all cryptocurrencies and even allows Electroneum to do instant payments with other cryptos), and thereby significantly improved an existing product after experiencing frustration with the way it worked. This week at The Summit Electronuem demonstrated the instant payment system in action – it was impressive. In about 2 weeks, on July 1st, Electroneum is opening their vendor application for vendors to start accepting instant Electroneum (ETN) in a live environment. Following this period the general release will commence! Remaining unaware of changing market needs, competitor moves and other external factors can cause even great products to fail. Visa and Mastercard have been hard at work to create a system of Instant Payments and to shorten your time at the terminal (they even stopped asking for your signature).
Electroneum’s Crypto Instant Payment system introduced by Richard Ells at the 2018 BCI Summit in New York “Is a groundbreaking technology in the cryptocurrency industry that bridges the gap between blockchain’s decentralization and the modern world’s fast payment technology.” Mass Adoption will revolutionize the world of crypto use and spending and allow the poor and the unbanked in of the Developing World to enter this ecosystem. “Price Waterhouse Coopers predicts this market to be as large as USD 3 trillion.” There are others that say 20 trillion.
If you are looking to enter the crypto market, there is no better time than now as crypto is still a baby. Large corporations, the general public, governments and investment firms are all watching this space closely and only dipping their toes into this market. Because of Richard Ells’ work ethic, his ability to take action swiftly, his dedicated team, and the massive developments already underway – I believe Electroneum stands to become THE crypto for the people.
I’ll leave you with this as you think about the crypto space:
The lion is the king of the jungle; the king of his domain. The lion is not the tallest, not the largest, not the heaviest, and not the smartest nor the most intelligent animal in the jungle. Yet, the lion is the king of the jungle. What makes all these animals respect the lion so much? He takes action and executes on the way he thinks.
M.
https://preview.redd.it/hqgbpszql2411.jpg?width=960&format=pjpg&auto=webp&s=1bb4f62c05bd4407e98302eecfeb92f6069d573e
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I'm an Identity Thief and I Want My Identity Back [Part 3] - Final

Part 1
Part 2
 
It’s my bad, guys. I got too busy to sit down and format the post right after it went up. It’s been up for a few hours and people are blowing up over it.
A few have private messaged me and asked for a link to the forum post. Let me clarify where this is being posted. This site is very, very privacy oriented. Links are automatically changed every few minutes, and they are updated across the site automatically. Even the domain name changes every couple of hours.
In short, nothing on the site is static. You have to be invited and run software on your computer to keep the links updated. So, no, I can’t link anyone to the post. I can’t invite anyone to the site either, because every account gets ONE invite, and I’ve already given mine to a friend a while ago. Sorry.
That’s also why, even though Michael/Neale provides links in this post, I can’t link them here.
Without further comment, here’s the last post from Michael/Neale!
 
 
Jack's face told me that there would be no lying my way out. Not a chance in hell. He wasn't going to believe anything besides the truth.
I eyed the gun on his bedside table briefly. If he didn't like the way I'd been living, he could shoot me. Or just plain attack me. Jack seemed to be a very upright and honest guy. I'd probably lose his help by the end of telling the truth.
So, I did. I told him about leaving the military and being unable to find a job. I told him everything I've told you now. I told him that I did in fact talk with Neale's Employees, and that I didn't want the police involved because I was an identity thief.
Jack sat on the bed across from me and just stared during my story. He barely even moved. No reaction.
"I still don't know if these guys are after me as Michael, or me as Neale," I finished with a shrug. Then I sighed deeply and looked at the floor.
"You're kidding me," Jack said after a few seconds of silence.
"Nope, it's all true," I said.
He stood up and grabbed one of the motel keys.
"I'm taking a walk to think about this," he said. I didn't even look up. He left, and I stayed where I was, my eyes boring into the floor.
"Fuck." I whispered after he slammed the door.
My emotions were drained, but the adrenaline of being caught by Jack kept me alert. No way was I sleeping anytime soon.
I pulled out my laptop and took a seat at the desk provided by the motel. It would be past midnight soon, so the DeathNote guys' latest wager would be wasted. They'd have to put in another if they wanted their money on their next attempt.
If the DeathNote guys were going to try and make some money by killing me, I was going to use their greed against them.
I wrote a quick bot that would poll the DeathNote site every few seconds. If a bounty was added under my name, I'd get a text from my email address.
Hello crude alarm system.
Writing that bot took about half an hour, and by the time I had finished, I was ready to sleep again. As I laid down, I turned up the ringer on my phone to its maximum. I hoped it would wake me up.
Sleep hit me like a metric ton of bricks.
 
I didn't hear Jack come back in last night, but he was sleeping in his bed when I squinted in the morning light and rolled over. The curtains were parted just barely and let a single stream of sunlight right into my eyes.
Grumbling, I got up to pull them closed. The alarm clock on my nightstand said it was 10am. I panicked, realizing that I was very late for work. I pushed that trivial panic down and laughed quietly at myself.
I was so wrapped up in maintaining Chris's identity that I apparently didn't give a shit about Neale or Michael. Not getting fired took priority over staying alive, apparently.
I called my store and told the employees I was sick and wouldn't be in after all. Giving instructions from memory. I glanced over at Jack, who was completely passed out. His Beretta, phone, and keys were lying on his bedside table.
I watched him intently for a few minutes, thinking. He could very well wake up and call the cops on me. He was a liability now. But there was nothing I could do to get rid of him. Not now, at least.
Time to get to work. I still had some fishing to do.
Ha, get it?
 
I logged into the backend of the fake phishing site I'd made, and was pleased to find ten entries in the database. Ten people had used my "forgot password" scam, and eight of them were Neale's. The other two were from my Employees.
Marco and Alejandro Chavez. Brothers? Or were they cover names?
They had followed my instructions, providing the same email address for both of them, but separate phone numbers. Pulling out my phone, I entered both numbers and saved them. I had yet to decide what I was going to do with them.
Now, onto Neale.
All of these Neale's were at least a little smart. None of them gave addresses, only zip codes. But at least I had something. Two zip codes were far out of state, two were one state away, and three of them were from nearby counties. One Neale didn't even have the last name of Keaton.
How many Neale Keaton's were there?
I decided to investigate the three Neale's in nearby counties. Google provided Facebook pages, LinkedIn profiles, and even a Twitter account. They were semi-active there, and even though they looked like grade-A citizens online, there was no way to know if any of them were not my Neale.
For each one, I created a Facebook profile with some stock photos online. Their profiles were locked down, but their friends lists were viewable. I correlated the number of friends and guessed that the friends with the most of the same high school meant that was the school Neale had gone to. I used that high school to finish the profile, and sent off a friend request.
I followed the same procedure for the other two zip codes in the neighboring states, but ignored the other two that were far away.
If they accepted my friend request, I could do some more digging on their profile and hopefully narrow down my list.
It took me a couple of hours to set everything up. Jack woke up just as I was wrapping things up.
"Guess you're more into computers than you let on," he said as he sat up.
I didn't say anything, but I turned around slowly to make eye contact.
"You gonna call the cops on me?" I ventured.
"Do you see the cops here?"
"No..."
"There's your answer."
"Are you planning to help me get out of this?"
"I don't want to help you."
"Then why are you still here?" I coarsely asked.
"After last night, whoever was shooting at us knows I'm helping you. So, before I knew what kind of an asshole you are, I locked myself into this."
"You really think I'm that big of an asshole that I don't deserve to live?" I said angrily.
"Identity theft is pretty fucking serious, Michael. Or should I say "Chris", because that's what your name tag says."
I cringed and shut my eyes.
"Jack," I started. "I'm not a bad person, or at least I try not to be. I boost people's credit scores and only take what they can afford to lose and not get suspicious about. I do that so I have a chance at retiring and not being a store manager beyond the age of 65."
"So you go to school, you learn how to be valuable instead of stealing value from someone else!" Jack's voice rose.
I gestured wildly at my laptop. "I didn't know shit about this or business before I started! But look at me now, I'm learning and getting better! Hell, if I get good enough, I might be able to repay everything I took! Plus interest!"
Jack turned away and ran his hands through his hair.
"So if you're stuck with me, like you said, then what's the endgame here?" I asked, giving him a minute to collect himself.
"To get my name disassociated with yours, or Neale's or whoever the fuck these guys are after."
"Good, then we have the same goal: to ditch Neale's identity. I have a part of a plan. Maybe sixty-five percent."
"How comforting," Jack sneered.
I spread my arms out and widened my eyes. "I've gotten this far on some pretty complicated crimes, Jack. We can get out of this."
Jack sighed. "What's your sixty-five percent of a plan?"
"Well, obviously we leave this area and never come back. Find a way to fire those Employees after I pay them what I owe."
"You owe them money?!" Jack cried incredulously.
"Not me! Neale!"
Jack shook his head at me. I continued anyway.
"I pay them what I owe so they don't come looking for me. We leave town, I burn everything to do with Neale. I find a new job somewhere else, you do the same, and we're free and clear."
"How is that only sixty-five percent of a plan? Sounds more like common sense."
"I haven't run through all the variables yet to make sure nothing is left undone," I said, folding my arms.
"If you want my help, I have some conditions," Jack said.
"Honestly, I could take it or leave it at this point, so I'm not to inclined to ask for your help," I snipped.
"Then you can walk home from the motel."
I shut my mouth.
"First, you give me your real info. First name, last name, military unit, parent's info, the works."
I waited for him to continue, even though I was shouting "No!" internally.
"Second, you burn every identity you have currently. All except for Chris, since you need a job somewhere. But if you take out anymore credit cards, they sure as hell better be in your name."
I clenched my jaw. Those were my backups. My emergency identities in case I needed to run.
"Then I've decided. I don't want your help."
"Then I'll call the cops."
"Not if I get out of town first."
"Then I'll find Chris directly and tell him all about what you've been using his info for. I'm sure your store keeps records on first and last names and social security numbers. I'll call as a bill collector and find the real Chris. Your best identity will be gone." He snapped his fingers.
"I can't believe this. You're threatening me to accept your help. Are you listening to yourself?"
"Actually, I'm protecting the public against you. If I find out you're swindling people out of identities again after this, I'll turn you in myself. The alternative is that I turn you in right now."
Shit. He had me in a tight corner. I could squeeze out, but it'd take time to plan and some research to--
"Deal?" Jack interrupted my thoughts, thrusting out a hand. "If we have a deal, I help you get out of Neale's identity and get the target off your head. No deal, and you go to jail tonight."
I sighed, then took his hand.
"First thing's first," Jack said after we let go. "Burn those identities."
 
I shuffled around my office, peeling credit cards and IDs from underneath tables and underneath carpet flooring. Jack explored the room, looking for any that I might be intentionally leaving behind.
"We might need these to get out of town," I complained while stacking the cards on my desk.
"You mean you might need them. I don't have any fake identities to fall back on if things go south, so you don't get them either."
"I'm telling you, these could be useful," I grumbled.
"And I told you that was part of the deal. Every identity except Chris."
I kept Neale's and Chris's documents off to one side. Neale's I would need in case I needed to prove myself to my Employees, and Jack was letting me keep Chris's identity.
I tried to keep at least one identity hidden, but Jack swept the room and found him. Bert Drew, a tax accountant.
"Whoops, missed one," I laughed nervously. Jack just dropped the credit card on the table and continued searching.
Once Jack was satisfied by his search, we gathered all the documents and cards and went to Jack's house. We took out his barbeque, lit a fire, and toasted each one. Every name that was dumped into the fire evoked memories for me.
"And you'll pay off every last one of these and close the account?" Jack demanded.
"Most are already paid off," I sighed. "I'll finish the rest today."
He nodded his satisfaction.
 
After burning all that plastic to a crisp, we had gone inside to do some research. I wanted to check my phishing site for more details and talk to my Employees to find out how much I actually owed them.
Jack stood behind me as if he didn't trust what I was doing. Out of recent habit, I went to DeathNote first.
I couldn't believe what I was staring at. Neither could Jack. His jaw hung slack before he took his fingers through his hair again.
"Oh my god..." I whispered.
And so, my little darkweb dweebs--hey, that's kinda catchy--this is where you started to come in. I'm sure you've seen the lovely "Wanted Poster" style post at the top of DeathNote.
"WANTED -- NEALE KEATON. REWARD: $150,000. DEAD OR ALIVE."
The rest of the post was some big long monologue about how shitty Neale Keaton was and how he double crossed on his business deals and shot up both friends and enemies. It included lines about how Neale stole identities too, which I thought was interesting. Did they get that from the real Neale, or from stalking me?
The post wasn't signed, not even with a username. It was stuck to the top of the page. I read it in horror, a horror that was amplified after what we’d just done.
"YOU DICK!" I screamed, jumping at Jack and shoving him into the wall. Even as he backpedaled, he grabbed his Beretta and stabbed it into my chest. I was so furious that I didn't care.
"WE BURNED ALL OF MY IDENTITIES EXCEPT NEALE AND CHRIS. WELL, GUESS WHAT?! THEY KNOW ABOUT CHRIS NOW TOO! I'M WORTHLESS NOW, JACK!"
He kept the gun painfully dug into my chest and glared at me.
"There were kids at the store, when Neale's "employees" showed up. They were taking photos together in front of the store. Posing and stuff. They weren't even suspicious." He was thinking now.
"Do you see how far up shit creek we are now?!" I yelled.
Eventually, I calmed down and we got back onto DeathNote. It got worse.
There was an honest-to-God campaign against Neale. You assholes were commenting everything you could dig up on Neale from across the darkweb. The stuff came from hidden sites that I didn't have an invite to and couldn't have searched.
Our Neale had been a very busy man. Killed three drug runners in an ambush and stole their goods. Burned down a few competing meth labs. Harassed people who planned to testify against his friends and killed the ones who did.
I'd call him a bad guy, but that doesn't do it justice. Not only was he enemies with good people, but he was enemies with practically every other bad guy out there! Not a single positive comment about him showed up.
And everyone that commented thought that his name belonged to my face.
I sat back in disbelief.
“I can't outrun this,” I sighed. “This is all over the place, who knows where he has and hasn't been. No matter where I move, this bounty, plus the DeathNote gamble, is attached to my face. Doesn't matter who I really am. No one is going to believe me when I say I'm not him.”
Jack was staring grimly at the screen.
My phone suddenly rang, which scared the hell out of both of us. I exhaled sharply then took it off the table.
Another $1,000 had been added to DeathNote. I refreshed to see that, sure enough, there was more. The bet was for today.
“We should get moving,” Jack said after seeing the new bet.
“I need to take care of a couple of things on my own first,” I said. “Can I borrow your car and a scarf?”
 
Jack let me leave without a fight. I don't think he cared if I lived or died at that point.
“I'll call a couple of friends and see what I can set up while you're gone,” was his response.
I wrapped the scarf around my face in a way that didn't arouse suspicion, and left in Jack’s car.
My plans were twofold: collect my cash from my hiding places, and pay Neale’s Employees. There were three hiding places in town with cash that would total around $5,000. Enough, I hoped, to pay the two and get us out of town.
I called Marco, who I hoped was the tall one.
“Hello?”
“It’s me,” I ventured.
“Hey, boss.”
“You hear the news?” I asked.
“Which part?”
“I’ve been ousted.”
“Heard that,” he said.
“Anything else?”
“Shawn Lockhard is looking for you.” Marco sounded nervous.
“I'm not concerned about him right now,” I said, unsure how else to respond.
“He’s offering you help.”
Well then. I guess Neale has some friends after all.
“What kind of help?”
“The usual. Money, guns, passports.”
A way out. Neale was offering me a way out.
“I'm coming by to pay what I owe you,” I stated. “Remind me how much.”
“Nah, boss, it’s only a couple thousand. Keep it, you're going to need it. We planned for this.”
Well what do you know. Loyal employees, and good friends. Even though the world hated Neale, I was starting to like him. Guess he wasn't such a bad manager after all.
“We still should meet,” I said, against my better judgement. I glanced in my rearview mirror in paranoia. “We need to talk.”
 
I left the meeting with Marco and Alejandro feeling a little better. I had a meeting with Shawn Lockhard, whoever the hell that was.
We had spoken on the phone. Two passports, ten grand, and a private plane trip to the northwest. From there, I could slip into Canada and hide away while I disassociated Neale from myself.
Jack could do whatever he wanted after that.
As I drove back to the motel, I thought about just taking off. I thought about staying with Marco and Alejandro until the meeting that night, grabbing the money, and running. Jack would demand half of it, if not more.
But I wasn't Neale. Michael and Chris were more loyal than that.
So, I parked around back, and made my way to the room.
As I approached the motel room, my phone started buzzing. I opened it to see texts flooding in, one after the other.
Gambles on DeathNote were being placed left and right. What the hell? There were five already and growing.
When I stepped around the corner, I looked up from my phone, and my whole body tensed. There, huddled near the door to our motel, were the two DeathNote goons. Looked like I had just managed to turn the corner right as they were going to break the door down.
The one facing me looked up in surprise and pointed. The other one swung his head around to look at me. They were both wearing something on their heads… flashlights on headbands?
“You’ve got to be kidding”, I growled as they stood up and pursued me. I was already back around the corner by the time they’d stood. My phone’s buzzing picked up intensity as I stuck it back into my pocket.
I bolted for the car, thankful that I was leading them away from Jack and keeping him safe.
A silenced shot whizzed past my arm, and I moved to the side, my throat clenching up. I couldn’t even swear, I just moved back and forth, praying they were bad shots.
I heard three more silenced shots, but didn’t see where they went. I was coming up on the corner of a building, so I threw myself around it to put something between us. The car was still far enough away that they could catch up and fire more shots.
Suddenly, I heard gunshots from behind. I ducked behind a car and wondered what the hell I was going to do. My phone continued to buzz, and I got very, very irritated. Then, I realized that some of the gunshots weren’t silenced. There was an exchange of fire happening around the corner between muted, silenced shots and the raw power of a Beretta.
Jack was here.
I made for the car, pulling the keys out of my pocket while I ran. Gunfire was still filling the air when I jumped into the car. A few people were peering out of the gas station next door, wondering what was going on. I saw two of them on the phone, probably calling the police.
Great.
My phone was distracting me, so I pulled it out and tossed it onto the floor of the car. It kept buzzing, but at least now it wasn’t against my thigh.
I slammed the car into reverse and sped out of the parking space. For half a second, I wondered what the hell I was doing. But before I could question it, I put the car in drive and stomped on the gas. I lowered my seat so I could just barely see over the steering wheel.
I flew around the corner, yanking the wheel hard to the left. I saw my chance and took it.
The DeathNote goons were no match for the Honda Civic. The first guy bounced off my front bumper, flying forward into the air. The other guy, alerted by his buddy being bounced off, managed to roll onto the hood. Momentum had other plans, and he tumbled up the windshield, over the roof, and slipped off the trunk.
As he rolled over the windshield, I caught sight of what was on his head. A fucking camera. He was filming this! I glanced at my still buzzing phone on the floor of the car. It must’ve been a live feed, and people were submitting gambles, each trying to be the one who got the closest to my time of death.
Fuck.
I came to a stop just in time to see the first guy land on another parked car, setting off the car alarm. The brakes had brought me too far from Jack, so I switched into reverse and hit the gas. I heard the guy behind me scream, and the car jolted when it hit him.
Jack threw open the passenger door and slammed it shut.
“Go!” He yelled. I peeled out of the parking lot and into the street.
 
“Those fuckers!” I yelled, punching the steering wheel. I needed some release: a way to get the adrenaline out.
Jack looked down at my still buzzing phone.
“They had live feed cameras on their heads,” I explained. “They were showing video to DeathNote, and people were placing bets on the exact second that I would die.”
“Jesus…” Jack said in a tone I couldn’t quite understand.
“I arranged a deal,” I said. “I can get us out of here. Private plane, money, and a way out of the country.”
Jack did a double take.
“How?”
“My Employees set it up for me. I guess being Neale Keaton still has some perks.”
“How do you know it isn’t a trap? A way to kill you and collect the reward?”
“Because, according to my Employees, Shawn makes enough money to make that reward money seem like pocket change to him. Apparently I told them at one point that I’d seen his golden private jet.”
Jack still looked skeptical.
“I told him I was coming alone,” I continued. “But that doesn’t mean you can’t come along for backup.”
Jack nodded while I told him my plan.
 
I rolled up to the private airport and slowly pulled into hangar 3, as Shawn had instructed. Jack, who was hiding in the back seat, jumped out of the car on my command. I was moving slow enough for him to slip out and get behind some crates, gun at the ready. He was my backup if things went south.
If things went badly here, we’d be out of options.
I was met with a guy in a suit who held out a hand for me to stop the car. I obeyed. He came to my door and pulled it open for me.
“Welcome, Mr. Keaton,” he greeted cordially. Not what I was expecting.
I stepped out of the car, and he held out a hand for the keys. That made me nervous. I wanted a getaway vehicle.
“That’s okay,” I said, putting the keys in my pocket. To my surprise, he didn’t protest.
We were inside a massive hangar that housed not one, but two private planes. One was a small, single prop airplane. The other was a private jet. It was black, not gold, but was still sleek and beautiful.
The floors of the hangar were polished concrete that actually shone under the large, dome lights overhead. The walls were made from polished steel and segmented into storage containers. The hangar looked nice, but there were large crates scattered everywhere, as if a cargo plane had just been unloaded. The mess took away from the appeal if you asked m--
“Neale!” Someone called from across the concrete. I looked over to see a much older man walking my way. He was a walking contradiction. He looked like he was almost 90, but his walk was young and full of spring. I hoped I’d be that upbeat when I was that old. If I ever made it to that age.
Instead of replying with a name, like an amateur, I smiled widely. “Thanks for seeing me,” I said happily.
“Happy to see you in the flesh!” He called back as we neared each other. We met right in between the two planes. The man reached out a hand, and we shook vigorously. The man in the suit was still beside me, and the old man turned to him.
“Tell everyone that the hangar is closed for the night, please Harold. And go home yourself. Take the night off.”
The man smiled and actually bowed. The old man bowed back, and the man excused himself.
“I’m guessing you’re Shawn,” I ventured when the man had left. I hoped that Jack could find a way to stay hidden while they closed down the hangar.
“Indeed,” he laughed, giving me a wry smile. “It’s so good to see you, Neale. I’ve been looking forward to meeting you for a long time.”
“Long overdue, I guess,” I smiled back, playing my part. “I wish it was under better circumstances. You’re aware of my situation?”
“Oh yes,” he murmured. “Your identity has been revealed. You’re a marked man, Neale.”
Something about that last sentence made me uneasy. Shawn must’ve sensed it, because he laughed to put me at ease.
“You and I are a lot alike,” he said in typical old man rhetoric. Life story, here we come.
“Bold, but cautious. Visionaries. Makers of our own fortune. When you were down after leaving the Army, you didn’t just accept your fate. You got up and took control of your future.”
I nodded, my heart skipping a beat. Stay calm, Neale might have been in the Army too, that’s not uncommon.
“You and I both use people to get what we want. We both started out by mistreating them, but, over time, we learned that the best way to get what you want from people is to give them something in return. We learned to treat our human relationships as symbiotic.”
“I used people face to face. But you, my friend, you used people without them even knowing about it. I’m in awe of your methods. What a world of technology we live in,” Shawn sighed.
My smile was fading.
“Hello, Michael,” he smirked. “I’m Neale Keaton.”
 
A small pistol had materialized in his wrinkled hand, and light glinted off the metal in my peripheral. It was aimed steadily at my chest.
“Do you know how long it took to track down all of your history? I mean, once I had your real name and found your credit cards, it was a lot easier to backtrack you from identity to identity. You kept great historical data. I guess you just got sloppy after a while.”
“I’m not alone,” I whispered.
“You’re not?” He said in surprise.
“Jack!” I called into the empty hangar, my voice echoing. The real Neale Keaton didn’t even flinch.
There was no reply.
“Sounds to me like you’re alone,” Keaton chuckled.
“Actually,” Jack said from behind him. “He brought me.”
Keaton didn’t even turn around. Jack’s gun was trained on Keaton’s back, but Keaton just smiled.
“Glad you could make it,” he said.
“Me too. Almost thought that Michael was going to come without me,” Jack smirked before lowering his gun. I stared at him in disbelief.
“You… and… him?” I stuttered.
Keaton waited while I put it together. I didn’t vocalize my understanding.
“Why?” I asked.
Keaton’s eyebrow raised.
“Why take such a roundabout way to get money? Why didn’t you just have Jack shoot me in the back, take your money, and leave?”
Keaton burst out laughing. Jack’s smile was condescending, as if I had asked why 2 plus 2 did not equal five.
“It’s not about the money,” he laughed. “If you don’t get it yet, there’s no point in me explaining it to you.”
He turned to Jack.
“Is he armed?”
“No,” Jack said, still clutching his Beretta but aiming it at the floor. Neale nodded.
“You want me to take your place,” I said, the pieces suddenly clicking. Once one block fell, the rest of the puzzle clicked.
And ho-ly shit, was it clever.
“Oooooh my Gooood,” I laughed, unable to resist smiling. “You don’t want to be Neale Keaton anymore!”
Keaton smiled reassuringly.
“You’ve made too many enemies! But you were smart enough to do business without letting anyone ever see who you were. You hired other people to do your deals, even though it pissed off the people you made deals with.
“Every time your hired guns double crossed someone, even if they were rogue and stealing from you, you were the one who got blamed. There’s only so many bad deals that can happen before no one will deal with you anymore.”
“I guess he can think,” Keaton glanced at Jack.
“But you couldn’t have just thought of this after I’d stolen your identity… you had to have…” I trailed off, thinking.
“My identity was bait. You were the one unlucky fish who bit the hook. I let you be me before releasing the hounds,” Keaton prompted.
“You hired the DeathNote guys? You put money on your own head and just hoped they wouldn’t shoot the real Neale Keaton?”
“Of course they didn’t know who I was,” Keaton snapped.
“You gave them my address,” I kept going. “And the other two guys you hired were, what, a scare tactic? Why tell them they were working for Neale?”
“They were my employees long before you came along. I had to dump them just like I dumped my identity. Once you die, they’ll find a new employer.”
“And once you had decided that I would be your strawman to take a bullet for you, you told them about Shawn Lockhard,” I finished.
Keaton nodded, looking impressed.
“I’ll make you a deal, Michael, since that’s why you’re here. I’ll let you live. Jack here won’t be the one to kill you. You’re smart. You get to keep Neale Keaton’s identity and I’ll let the world finish you off. You may last a while, but not that long.”
“How very generous,” I said sarcastically.
“Sarcasm won’t help me like you any more.” Keaton tutted.
“But why Jack? What’s he got to do with this?”
“I was your bodyguard, of sorts,” he spoke up. “My job was to keep you alive long enough for the word to spread that Neale Keaton had to die. Plus, I supplied all of your identities to Neale here.”
That also explained how he knew about DeathNote. Keaton had told him about the plan.
I remembered the gunfight we had just left with the DeathNote guys. Neither of them had been behind any cover, yet no one had been shot. The firefight had been staged. How many more details had I missed?
“If you try to use any of the identities that you and Jack burned,” Keaton said, “I’ll add it to the Wanted poster. You are to use my identity and mine only. You will become me. I even emailed you some notes about the people you may meet.”
“Once again, how generous.”
“See, I can be nice,” Keaton said. “Unfortunately, I have a duty to a client who I promised a tip-off on the infamous Neale Keaton.”
Keaton nodded to Jack, and Jack aimed the Beretta once more. I put my hands up instinctively.
“We’re going to take a little trip, leave you tied up somewhere, and let my client know your whereabouts.”
“Not much of a chance against the world,” I replied.
Keaton shrugged. “I’m sure you’ll think of some way out. If you don’t, then you’re not worthy of my name after all.”
Jack advanced toward me. “Turn around,” he said. I slowly complied. Suddenly, the sound of a small, metallic ting resounded throughout the hangar. Like a magnet to metal.
A huge, fiery explosion suddenly went off at the head of the private jet. The heat raced across my skin, and it felt like I was next to a bonfire. Luckily, we were further back towards the tail, or else we might’ve been hit.
“WHAT THE FUCK WAS THAT!” Keaton shrieked.
“There!” Someone yelled from the large hangar entrance, which had been left open. Gunfire filled the hangar. Jack dropped his attention from me and moved to stand in front of Keaton. He raised his Beretta and took several calculated shots and the men who were firing blindly inside.
I dropped and rolled under the single prop plane, putting something between Jack and I before he decided to take a shot at me instead.
The gunfire increased as more men showed up at the entrance.
“NOWHERE TO HIDE, NEALE!” Someone screamed.
“FUCK YOU, OLIVER!” Keaton yelled back, returning fire with his own small pistol.
“Jack, move back. The crates have ammo.” Keaton said over the gunfire. I was barely able to hear him.
Perfect, I thought. I moved quietly along the airplane, keeping its body between me and the multiple shooters. When I hit the back of the plane, I peered around. Jack and Keaton were still exchanging bullets with the intruders, slowly stepping towards the crates in the back.
I moved just out of their peripheral vision, following my training. I stayed low and made sure the plane kept me out of sight. When I reached the scattered crates, I lifted one quickly to find it full of nothing but straw.
Taking a chance, I dug my hand down and touched metal, thank God.
I pulled out an actual AK with the a clip taped to the side with packaging tape. Biting off the tape, I felt around for ammo and managed to snag a handful of loose bullets.
I ducked behind the crate and slid bullets one by one into the clip. Eight bullets. Eight shots. More than enough to kill Keaton and Jack, but not enough to get out of here. They’d kill everyone here just to make sure they got the real Keaton.
I heard gunfire getting closer, so I knew that Jack and Keaton were getting closer. They had to be running out of bullets by now. I glanced up and saw that they were using the plane as cover like I had and were still making their way back.
Raising the AK, I aimed for Jack’s back, lining the sights up perfectly. My finger slowly squeezed the trigger until I heard a click.
It jammed.
SHIT,” I hissed involuntarily. That made Jack turn around.
I hit the floor as three bullets zipped overhead, denting the steel wall behind me. Desperately, I tore at the bullet feed, trying to kick out the jammed bullet. I heard Jack’s gun click loudly, and took my chances.
I jumped up, still fiddling with the AK, and ran towards Jack. He ran towards me too, ready to fist-fight it out. I lowered the AK to one hand and raised the other like I was going to punch. The distraction worked, and I shoved the AK forward, barrel first. It hit him hard in the gut, and he doubled over. With two hands, I used the AK to slam the butt down on the back of his head. He collapsed instantly. I’d hit the back of his neck perfectly.
Gasping for air and trying to keep the adrenaline for just a little longer, I tried one more attempt to unjam my rifle. But it was hopeless, and I could get shot at any second.
Keaton turned back, probably just realizing that Jack was gone, and saw me standing over Jack’s unconscious body.
I dropped the gun, intending to run back to the crates and find another. But the jammed bullet jumped out when the gun hit the ground. Both Keaton and I saw the bullet bounce off the ground. As if in slow motion, I bent to pick up the gun while he spun his pistol on me.
I wasn’t fast enough.
A bullet caught him in the calf from behind, and he screamed. It forced him down onto one knee in a small spray of blood. His gun went off, but wasn’t aimed anywhere specific.
He crawled further under the plane to shield himself, which gave me time to act.
I pulled out my phone, which was pissing me off. IIt had been vibrating non-stop ever since I arrived at the hangar. Even though it pissed me off, it was good. It meant that Marco and Alejandro had done their jobs.
I raised the AK in one hand, and my phone in the other. One button started the video recording. I let out all six remaining bullets, only two of which actually hit Keaton’s chest. He screamed again, dropped his gun, and fell down face-first.
Satisfied, I hit “Stop” on my phone and slipped it into my pocket again.
Both were down. I was the only one left. And the gunfire from the door wasn’t slowing down.
The squeal of tires made me perk up my ears, and I smiled in disbelief as two SUV’s sped into the hangar, each manned by Marco and Alejandro. Alejandro used his to defend Marco’s car, which sped between the two planes and skid to a stop in front of Keaton.
I raced forward with the AK and jumped into the backseat. I dropped to the floor while Marco hit the gas and turned around. Alejandro had already gone in front and his SUV was taking all the fire. The car rocked as we tore out of the hangar and bullets ravaged the back of the car.
I tore the battery out of my phone to stop it from vibrating anymore.
“Their cars are parked far away, we should be safe soon,” Marco said with his usual accent.
“Thanks, Marco,” I rasped, sitting up.
“You’re welcome, Mr. Keaton.”
 
I knew there was a 50/50 chance that this meeting was setup. In the worst case, I’d be riding a private jet out with guns blazing. In the best case… well, what happened was the best case.
At my request, Alejandro and Marco had gone onto DeathNote and spread rumors that I was getting alerts from DeathNote whenever a new hit was added. I changed my code to paste my phone’s location on DeathNote every time it received a text about a new hit.
You darkweb dweebs caught on immediately and started spamming the hit list to get my location and track me down. The more hits that were added, the more value Neale Keaton’s death had. And with that beautiful video, I was able to prove to the DeathNote owners that I had indeed killed Neale Keaton.
How did they know that old guy was the real Neale?
I’d been recording on my phone ever since I got to the hangar. The audio corroborated everything.
With proof in hand, the runners of DeathNote paid out my grand total of $56,000 in Bitcoin. I didn’t get the $150,000 unfortunately since it was Keaton himself who had placed that reward.
See, I knew something was fishy with Jack after I looked at his phone the morning after I told him I was an identity thief.
He was asleep when I went through his phone to try and find a way to ditch him somehow. I wasn’t sure what I was looking for. But his calls list showed a call to the same number multiple times over the last couple of days. All of the calls had been made while I wasn’t with him.
Sure, it could have been anyone, but it made me suspicious.
When I met with Marco and Alejandro, I kept up the ruse of being Neale. They only knew what I told them, and I asked them to bring two cars to my phone’s location when they heard shooting.
My phone had brought you lovely darkweb fuckers right to where I was going to die. You inadvertantly saved my life.
Like I said from the start, you were being manipulated. By both Neale and myself.
Thanks ;)
Someone made a post a few days ago out of video from the people who came to kill Keaton at the hangar. The video showed Jack and Keaton, who was a 90 year-old guy, but not my face. All the rest of you saw that Keaton’s reward had been claimed, and cried fraud.
But it wasn’t fraud. I just beat you all to it.
This post is here to salvage Chris’s reputation. Michael is a piece of shit. Neale is a piece of shit too. But Chris is the one identity I actually wanted. I wish I could have that identity and that life back. But it’s too late now. You have forced my hand, and until this site accepts that I got the bounty fair and square, I can’t be Chris the store manager.
I’m an identity thief, my darkweb dwellers. I become who I need to be to get what I want.
The sooner you accept that I am NOT Neale Keaton, the sooner Neale Keaton will die. Until then, Keaton’s email is really helping me assume his role. Once you all accept it, I’ll dump his shit, delete everything, and go back to being Chris the store manager.
Until that changes, I am Neale Keaton.
submitted by darkwebidentity to nosleep [link] [comments]

60 DoD Week 6: Finances

60 DoD Week 6: Finances
By failing to prepare, you are preparing to fail. – Ben Franklin
Having a financial plan is vitally important for a number of reasons. What do you think the greatest stressor in relationships is? The lack of sex your wife is giving you? Close one. It’s money, although your shaved balls might think otherwise.
So don’t you think having a plan is critical to fixing your well-being? You have a MAP to get in shape. Why don’t you have a plan for your finances.
This post might better well be served in personal finance, but screw it. I’m going to town. For the folks overseas, some of this content might be US-specific.
On Net Worth
In order to calculate your net worth, you need to take your assets, such as your checking account, savings, house, etc, and subtract your liabilities, your mortgage, credit card debts, and loans, and you’ll get your net worth.
This is a good time to be spreadsheet guy. But instead of counting how many ladies you are seeing or counting how many times you had sex, use Excel for its intended purpose.
Start calculating it annually, quarterly, monthly. Whatever frequency you feel like you need to get a handle on where your net worth is going. For myself, I do this quarterly, though I have my finger on the pulse pretty frequently.
On Budget
You want to get ahead? You have to operate on a budget. Know what you are spending, what you are saving, and where your money is going.
For me, I’ve got it set where it takes me about 7 minutes to log into the various accounts, take certain numbers like food spend and so forth, and plug those numbers into the Excel boxes. Plugging them in allows me to quickly project the next three months spend and where I’ll be. Some numbers are easy to find, like the fixed costs of mortgage and student loans. Some numbers you have to estimate or look up, like variable food costs and gas/electric. I do this about once a month. It doesn’t take long at all – just making sure I have good cash flow and sticking to my budget.
Take the time to do a detailed line item comparison. You should know exactly how much is going where. The real key though is STICKING TO YOUR BUDGET. You have to keep to it in order to meet your goals.
On Financial Literacy
It’s key to have a good understanding on financial literacy. You have to understand things such as what is the market, what is a stock, what is a bond, what is a dividend, what is a mutual fund, and so forth. You have to know what you are investing in. Take your financial knowledge and move it up. There are literally tons of free information out there. Start going to town. And for the advanced players, go learn the ins and outs of your brokerage firm’s website and trading platform – I mean really learn it, not just “Oh, here’s how I do a buy order on a stock.” Learn how to screen for stocks, mutual funds, and bonds effectively.
Side note – If you are in the US, I recommend joining AAII. I have gotten a great deal of value out of my membership to them. A number of HNW individuals I know recommended it to me, though I had joined and got the lifetime membership before I met them.
On Bogleheads
Personally, I’m a Boglehead. Jack Bogle, man, he was the Chad of passive investing. I believe that passive investing (indexing) long term beats active investing long term. So does Warren Buffet. All my research agrees with this from a long term standpoint.
I’m also a fan of creating an Investment Policy Statement
Boglehead Resources
https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy
https://www.bogleheads.org/wiki/What_the_experts_say_about_investing
https://www.bogleheads.org/wiki/The_twelve_pillars_of_wisdom / https://web.archive.org/web/20070304091730/http://www.vanguard.com/bogle_site/april272001.html
https://studentloanhero.com/featured/bogleheads-invest/
https://www.bogleheads.org/forum/index.php
I would highly encourage you to review these links and check out their philosophy on investing.
On Being a Contrarian
I’m also a fan of being a contrarian. Be greedy when others are fearful, and fearful when others are greedy. You see it with the Bitcoin bubble. You see it when the stock market goes up and down. Oh no, the market is going down… whatever shall we do?!? You stick to your guns. I’m not saying go catch a falling knife. I’m saying that you stick to your plan. There is opportunity when people are fearful, and caution is warranted when people are being greedy. You have to evaluate where we are in the economic cycle as well.
On a Cup of Starbucks and Retirement
You might have seen the example where someone buys a cup of Starbucks every day and then finds out that if they took that money and invested it toward their retirement, over the span of say 30 years they’ll have like an extra 200k. I have two comments on this. First, be frugal, but don’t deny yourself. Don’t let frugality control you. Second, don’t just focus on controlling the little changes like saving a cup of Starbucks every week, focus on the BIG areas. Focus on getting a new job that pays you an extra 40k per year. Focus on saving 100 bucks off your cable (1200 bucks saved per year). Focus on lowering your taxes. What I’m saying is focus on not just the small areas, but also make the bigger impact areas a higher priority. And stop drinking so much Starbucks – make it yourself. Grind the beans, for crying out loud.
On Automating
Automate your finances. Make it EASY for yourself to save money. Set up your automatic bill payments for your credit card, loans, mortgage, and bills. Take advantage of the modern tools nowadays for app/camera based check deposits. Have money taken out of your paycheck before you get it, whether it is for retirement or into a separate savings account, so you can accumulate a rainy day fund. I’ve automated as much as I can, with direct withdrawals taken out for mortgage, credit card payments, gas and electric, and for the other areas like telephone those are automatically paid from the credit card, which then is automatically paid from the checking account. Automating saves time, which is a critical resource.
On Buying a Car
Here’s your resources:
https://www.reddit.com/askcarsales/wiki/index
https://www.reddit.com/askcarsales/comments/19niva/car_buying_faqs/
https://www.reddit.com/askcarsales/comments/4j2okj/what_to_expect_from_your_dealership_visit/
https://www.reddit.com/askcarsales/comments/613jvn/askcarsales_faq_updated_march_2017/
http://fightingchance.com/ - I used these for private market research, and was worth every penny.
There’s a lot more here, but this should get you through the basics. Simply, knowledge is power. The more you know, the more power you have. If you don’t know every single line item that is going into your purchase, whether it is an accessory, taxes, that stupid coating that they try to sell you for $1000 but it’s really just worth $100, etc., then you’re not ready, and you’re more likely to be fleeced.
Just even walking into the dealership and observing other customers and their interactions with the car salesman, it’s like watching sheep. Don’t be a sheep. Be prepared. And be prepared to walk too. Cars are a commodity. You can buy the same car someplace else cheaper. Remember this – cars are a commodity, and there’s lots of dealers out there.
Side note – “But Steel, what about TrueCar? That seems awesome. I’ll just go in, get my TrueCaCostco/KBB/XXX price and I won’t even have to do anything to get a great price.” Let me tell you this. Dealers would be HAPPY to sell you at the TrueCar price all day long. With proper preparation, you can negotiate a far better deal. Last time when preparing, I had a binder. That binder saved me over 9k. Cost me 5 bucks at the local pharmacy. Printed out all my info, was prepared as all get out, and had a prepared offer ready to go (I used my own sheet, not theirs). Be prepared, that’s what I’m saying. And don’t fall for the four square technique. I just chuckled at the different dealerships at how they try to pull that one. Hell, I went through YouTube and viewed a couple of videos on how car salesmen sell, so I had an understanding of their mentality and what they do. Be prepared.
Generally, there are five major parts for buying a car: Trading in your current car, buying your new car, buying options on a car (like that fancy heated steering-wheel), extended warranty, and financing. You should own every single area of this. As an example, when you are talking about trading in your current car, you should ALREADY have your price quote from CarMax in hand, as well as other offers from other dealers. You should know what your car is worth if it were to be sold (remember supply and demand – what is it really worth: what someone will buy it for). You should already have the KBB and Edmunds value of your used car. For your new car, you should have a breakdown of every single thing on it, including options, doc fees and ERT. For your fancy accessories, you should have the MSRP of these accessories, the actual cost of them buying (wholesale parts warehouse), and an estimate in your head on labor costs (cause parts don’t get installed by themselves). For your extended warranty, I would just say that there is a reason why this is one of the most profitable areas of a car dealership. If you simply must have an extended warranty for peace of mind, go find a wholesale warranty. Do your research. Don’t buy from the dealership. Most cars nowadays anyway are built quite well with high standards of quality control, so they’re not failing like they used to. On financing, make sure you set up your own financing before you walk in. It makes life much easier, as the car dealers get money on financing as well. If the dealership can beat your credit union, more power to them. It’s powerful as all get out when you walk in with a prewritten cashier’s check at a super low interest rate and you’re ready when they start asking you how you are going to pay for the car. “Well, I am preapproved for x amount (aka the full amount of the car), but I’d like to see what specials and discounts you have.”
It’s all about how much money you can save in each one of these areas.
Granted if you’re BETA BUCKS and your time is worth more than doing a bit of research, that’s fair. Some folk just walk in and buy a car right there with a minimum of haggling. That’s how much their time is worth to them, and I know a few people who are like this. I’m merely presenting an alternate approach. To me, it was worth the time to save more than a few thousands.
On Buying a House
For many people, a house is the largest purchase that they make in their lifetime. Many of you have already bought houses, so I won’t go into this in detail, but again, from The Millionaire Next Door – “If you’re not yet wealthy, but want to be someday, never purchase a home that requires a mortgage that is more than twice your household’s annual realized income.”
I see a lot of you going “Shit” after reading that.
On a Side Hustle
I didn’t even have to write anything, u/red-sfpplus already wrote an excellent post on this topic - https://www.reddit.com/marriedredpill/comments/7i7x4q/the_financial_hustle/
Learn from his example. And then buy the man a drink.
On What to Do First
"Successful Investing takes time, discipline and patience. No matter how great the talent or effort, some things just take time: You can't produce a baby in one month by getting nine women pregnant." - Warren Buffett
First of all, take stock of where you are. Figure out your net worth, and what you have and what you owe (and interest rates). I would say the first thing to do is to have a three to six month emergency fund. This can be done in conjunction with getting rid of high interest debt (such as credit card debt), however if and when you have an emergency, you’re going to need to tap into something.
Start your budgeting process. Know where your money is going. Fix it.
Most people don’t even have a thousand dollars in savings. Don’t be like that.
I would also note that the Personal Finance subreddit has this already diagrammed out in a flowchart in their wiki - https://i.imgur.com/lSoUQr2.png
On Giving Back
So you give back, right. Of course you do. But what I suggest is potentially setting up a charitable fund, so that you can maximize your charitable deduction annually. You can give a larger sum one year, and then less/none the following year – and maximize your deduction the first year. Something to consider. Plus then your charitable fund is invested, will grow with the market (remember you need a plan and asset allocation here as well), and the growth can be given to the charity as well, tax free. I’d recommend Vanguard, but really there are a number of places that do this.
On Habits of Millionaires
From the book The Millionaire Next Door, here are the characteristics of millionaires:
• They live well below their means
• They allocate their time, energy, and money efficiently, in ways conducive to building wealth.
• They believe that financial independence is more important than displaying high social status
• Their parents did not provide economic outpatient care.
• Their adult children are economically self-sufficient.
• They are proficient in targeting market opportunities.
• They chose the right occupation.
On Building Wealth
You want to build wealth? Don’t have a high consumption lifestyle! Think for a moment. How much money do you think it takes to maintain an upper-middle class lifestyle vs. how much money do you think it takes to maintain a middle-class/blue collar lifestyle? Bespoke suits. Luxury cars. Bigger house. More property taxes. And so forth. Think of all the stuff you have to purchase to keep up with the Joneses. Cost of cleaning. Cost of buying furniture for that fancy house. Etc.
“But Steel, I don’t care about the Joneses.” Sure you don’t. But your wife does. Watching that HGTV, picking out the stupid pillows that breed like rabbits in your house when you’re not looking. There’s something about a house that factors into the Female Social Matrix.
Frugality is the name of the game. Frugal being “behavior characterized by or reflecting economy in the use of resources.”
Don’t be wasteful. Don’t have a lifestyle marked by lavish spending and hyper consumption. You want to build wealth? Be frugal.
Most people will not become wealthy in one generation if they are married to people who are wasteful. You can’t accumulate wealth if one of you is a hyperconsumer.
On Offence vs. Defense
So you’re not beta bucks, you’re BETA BUCKS! You make it rain! Good for you. You play great offence. But how’s your defense? How’s your wealth accumulation? Are you spending like there’s no tomorrow? If you want to win the game, you have to play great offence AND defense.
Here’s some questions for you:
• Do you operate on an annual budget?
• Do you know how much you spend each year for food, clothing, and shelter?
• Do you have a clearly defined set of daily, weekly, monthly, annual, and lifetime goals?
• Do you spend a lot of time planning your financial future?
To build wealth, minimize your realized (taxable) income, and maximize your unrealized income (wealth/capital appreciation without a cash flow).
How do you become financially independent? You have to plan, and you have to sacrifice. You sacrifice today for financial independence tomorrow.
On Your Wife & Buy-In
As part of your plan and budgeting, once you have it all set, get buy-in from your wife. But do this not like you are seeking approval from mommy (aka you validation whore you), but matter of factly here is the plan, we are budgeting x amount for these areas. Here is our plan. Set out a vision.
On Financial Vision
Read it and weep - https://www.reddit.com/marriedredpill/comments/3fecgi/first_budget_discussion_leads_to_minor_meltdown/ctnya77/
“One rarely talked-about element of Married Game is a subtle thing known as Vision. Most husbands don’t appreciate what a strong DHV possessing Vision is, and they proceed unaware of the power it can add to their relationship. Most husbands do this because they don’t understand Vision, what it is and how it is manifested, much less the subtle but important role it holds. Let me explain: once upon a time I was working for a personnel agency, and one of my jobs was coaching our people on interviewing techniques. I learned a lot about the process as a result, from both the interviewer and the interviewee side. When it came to my clients who wanted high-quality employees with good technical skills – real talent – I learned the sorts of things that such high-demand technical people wanted in a company. Money, of course, and security and benefits. But beyond that gifted employees want to work for a company with a history, a good culture, and (most importantly) a Vision.
What is Vision? In this context Vision is a manifested idea of the future. Everyone wants to work for a company that’s changing the world and is doing so in a positive, pro-active way. No one wants to work for the company that’s floundering, desperate just to meet its next quarter’s goals. Vision is a generally-stated plan-of-action toward a distant but achievable goal, presented in an enticing enough manner to inspire. It’s short on details and long on generalizations. It’s reflective of inner beliefs, values, and judgments, an indication of character, foresight, and initiative. It should be bold, meaningful, and challenging.”
Now, this quote above is excellent. You need a vision for your life, but you also need a vision for your finances. What would your financial vision be? What does it look like to you? Create it, and then be ready to share that with your family.
On Love of Money
Remember folks, money itself is not the root of all evil. It’s the LOVE of money that causes the problem. When you are so driven to be a better beta bucks to get that coin, and start neglecting yourself, your relationships, etc… you’ve got problems. Money is just a tool in the toolbox. Use it, don’t let it use you. Don’t become a slave to money. Your life doesn’t consist of how many toys you have. And you can’t take it with you when you go.
On Insurance, or Lack Thereof
Would it surprise you to know that most people are underinsured? Make sure that you have enough of the key five types of insurance: health, car, homeowners/renters, life, and disability. Preparing yourself for these situations can save you a lot of pain in the future. Also, make sure you get enough umbrella insurance. Typically they say have enough umbrella insurance to cover your net worth, but I recommend getting a bit more.
A quick note, practically, do not get whole life insurance. Get term insurance, and invest the difference in cost between whole life and term. You’ll be much better off. And yes, this is for 99.9% of situations. The remaining .1% of situations are when someone is really wealthy and there are estate and tax considerations. Aka for most of us, don’t worry about it.
And take care of your health, so you don’t get fat when you are older and have related medical problems. Put. The. Fork. Down.
On Assets and Liabilities, Rich Dad Poor Dad Edition
A number of you have read Rich Dad Poor Dad, and there’s controversy in it. I disagree with a number of items in there, but there is an interesting point in there about how he views assets and liabilities:
“You must know the difference between an asset and a liability, and buy assets. If you want to be rich, this is all you need to know. It is Rule No. 1. It is the only rule. This may sound absurdly simple, but most people have no idea how profound this rule is. Most people struggle financially because they do not know the difference between an asset and a liability.”
He has a simple, non-accounting definition - “An asset is something that puts money in my pocket. A liability is something that takes money out of my pocket.”
Buy assets. I like it. What is out there that you can buy that puts money in your pocket. Stocks. Bonds. Mutual Funds. Real Estate that produces Income. There are a ton of items.
You should also think about getting rid of your liabilities… the giant boat, the private jet, the cluster B horrible sex-depriving wife (you know who you are)… you get the idea.
On Disaster Recovery and Information Security
What were to happen if you were to croak, or your only laptop with all your financial data was stolen or destroyed in a fire along with all your financial papers (see, you should have gotten that fireproof safe)? Would you have a plan on what to do? Would your spouse? Your kids? I would suggest making a backup of your finances, statements, tax returns, and other important papers, and put that on an encrypted USB key with a password that you and your wife knows, and then storing that someplace secure. Note that you can do fancy stuff like cloud storage, and so forth – but you need to have a plan for the worst case scenario.
Additionally, make sure that you use two-factor authentication when you log into your banking accounts (if they have it), as well as don’t repeat your passwords for your financial accounts.
I would even suggest having a separate secured email for your banking accounts, and another one for your personal accounts that get those damn spam emails all the time.
Don’t be stupid with your financial accounts. Using the same password is stupid. Yeah, I’m talking to you.
On Practical Advice
Do get rid of high interest credit cards. If you’ve got a balance on your 29.99% APR credit card and are paying that interest every month, it’s in your best interest to eliminate that debt as soon as possible. You’re not going to get a 29.99% return in a month in the stock market (unless you take on excessive risk for that return, obviously). Try to transfer that balance to a promo 0% interest credit card, and work that down.
Don’t borrow from your 401k. You’re cutting out your future returns. Don’t make that 401k loan your emergency fund, but rather have a separate emergency fund.
Do use credit cards over debit cards, for a whole host of reasons (theft being the primary reason).
Do pay yourself first. Take out at least 10% of your paycheck before it hits your checking account, and start saving.
Don’t pay monthly or annual fees on checking accounts or savings accounts. You shouldn’t be paying a bank to store your money. They should be paying you for that privilege.
Do get solid credit cards that give outstanding rewards. Do your research. Get at least 2% cash back if you can. Shoot for 5% or more. For example, Discover allows you to get 5% cash back in certain categories, and then you can redeem $20 for a $25 gift card to a number of different vendors. Looks like you just got a 6.25% return.
There are plenty of other examples. Do you spend a boatload at Amazon? Get your 5% return. As an example – I get a 5% return on gas using a certain credit card. It’s unlimited throughout the year, and is redeemed as a statement credit, so I don’t have to worry about redemption. I have a certain Amex that I redeem at 4.6% points per dollar spent, plus a 2% general cash back card (some places don’t accept Amex). I could go even crazier, like getting the 3% on restaurants, or churning cards (and there are a lot of sites out there on how to churn successfully), but at some point, it’s not worth it.
Do realize that credit cards make it easy to buy things that you don’t need. Recognize that part of yourself that wants to overspend. Ask yourself, do you need whatever it is you are buying. Would it hurt more if you paid in cash rather than credit. Buying with credit encourages you to buy more than you can afford.
Do shop around for loans/services. I asked my bank what the best car loan they could give me – they said 2.99%. I asked my credit union, and they got me 1.49%. That’s a big difference in interest over the course of a loan. Generally due to how credit unions are structured (and their presence – mostly online), they will have better deals on certain loans than banks, depending on the product.
Don’t delay saving for retirement. Generally, you’ll want to be saving 15% or more of your income for retirement early on. If you don’t save early, the harder it will be.
Do try to simplify your finances. It makes it much more complicated if you chase after the best savings rate for your online bank, and then have many accounts all over the place. The 20 dollars that you get in interest is not worth the complexity and time (aka your most valuable resource) it takes to manage all that stuff.
Don’t use your HELOC unless you have to. I have a large HELOC, but I don’t use it. But who knows when I need access to a large sum of money. And don’t use it in lieu of your emergency fund. You need both.
Do some research into budgeting tools. There’s a lot of people on these threads that recommend YNAB. I personally haven’t used it, so I can’t recommend it one way or the other. I’m old school (and cheap thrifty – why would you pay for something if you can do it yourself). But definitely check those tools out – Mint, Personal Capital, YNAB, budgeting tools through your bank, etc. Also, if your credit card does an annual summary (like Amex does), make sure you look at it to get an idea on where you’re spending – it’s very helpful.
On Tips for Saving Money
There are a ton of ways you can save money. Go ahead and google “how can I save 1000”. Wait, I did that for you - https://www.google.com/search?q=how+can+I+save+1000
Take some time, call up your cell phone providecable provider and see what specials they have. There's a ton of things you can do to save money quickly.
On Too Much Money
Say you’re an ostrich farmer, and are flush with cash. You’re asking yourself, ok, so I’ve maxed out my 401k, I’ve maxed out my Traditional IRA and then backdoored it into a Roth IRA for tax diversification plus the benefits of a Roth. I’m contributing to a 529 plan for the kids. I looked into mega backdooring my Roth but darn it my employer doesn’t let me do that. I’m doing all of the tax advantaged things I can. I still have this extra 300k sitting around – what do I do with it?!? First world problems, amIrite. Again, this comes back to your plan. What’s the short term plan with this money. What’s the long term plan. What’s your risk tolerance. What assets can you invest in that fit in with your plan. You still have to manage your budget, even if you are a 1 percenter.
On the Best Investment and Most Important Resource
I’m a firm believer that the best investment is investing in yourself (and your family and kids), and your most important resource is not money, but time. Learn a skill. Go get a degree. Give your kids a head start. Help your wife accomplish a goal. Do what you can to save time. Money of course helps, but you know what happens when you teach a man to fish.
On Happiness
Is money linked to happiness? Yes, but only to a point - https://www.usatoday.com/story/money/nation-now/2018/02/26/does-money-equal-happiness-does-until-you-earn-much/374119002/ and https://www.usatoday.com/story/money/personalfinance/2016/12/09/key-money-happiness-may-how-you-spend/94308848/
Honestly, at some point, money just becomes a scoreboard. Money will give you security. It will remove a stressor in your life. It will remove fighting and stress in your relationship (about money, fool). It will allow you to do many things. But eventually, money won’t give you happiness. You have to figure that one out yourself. And of course there’s the joke about “Money can’t buy you happiness, but it can buy you a yacht big enough to pull up right alongside it.” – David Lee Roth.
On Money and Attraction
Money by itself will not make your wife’s panties wet. Keep that in mind. Having and getting money is basic adulting. Same with saving and managing it. You want to get her wet? Get in shape. Lift. Does money boost your status? Sure. Is status one of those areas that has some effect on where you are in the sexual marketplace? Sure. Pure physical attraction? No. Do you really think that making MORE money is going to have your wife give you more sex? Of course not - https://heartiste.wordpress.com/2014/06/02/money-wont-save-beta-males/
Get in shape. Be hawt. And fix your damn teeth so you can smile like you are a somebody.
On a Brief Story
So I was talking to a friend of mine, and I asked him how he and his wife set up the finances. He told me about this system, where his paycheck goes into his checking, his wife’s paycheck goes into his wife’s checking, and they have a joint savings account. Then he went into a convoluted description on how each of them pays certain bills, and how what he’s paying is not fair since he’s paying the mortgage AND property tax AND daycare, etc etc. I thought to myself, man, what a convoluted way to deal with stuff. They would then have multiple financial meetings, and discussion on who pays what, and all this extra stuff. It was just a lack of overall ownership going on.
Just take care of the finances. Figure out a system that works for you. I’m not going to tell you which system is the best, because it’s all dependent on your unique circumstances (example: heavy spender SAHM vs saver career girl, you’ll need to put some deep restrictions on the heavy spender). But own it.
On Who Owns the Finances
You own the finances. Period. End stop. From the prior post on finances, it’s so important that I’m putting it here again:
“At the core: Who do you want in charge of your financial future?
The person interested in maintaining status quo and safety at all costs with your happiness and satisfaction a secondary or minor consideration? Or you?
If you've learned anything here it's that you need to be a captain. Putting your wife in the family alpha role breeds contempt and most of the problems that brought your here. Besides control of sex, family MONEY decision veto power is the key indicator of who is wearing the pants.”
submitted by SteelSharpensSteel to marriedredpill [link] [comments]

Beginner’s Guide to Exchanges – Part 1

Beginner’s Guide to Exchanges – Part 1

Hola Compadres! It is me u/poop_dragon here with another guide. Today I would like to run through a list of ETH exchanges. This is just Part 1 of this list, and it covers established exchanges. Soon I will post Part 2 and 3 which will go into some other types of exchanges (derivative markets, coin converters, decentralized, and foreign exchanges) Side note, I have given rating to these exchanges based on some comparisons, news, and information which I have found online. Recently, EVERY exchange has been slow/unresponsive in their customer service due to the huge influx of new users. My intention is to help educate new users about the exchanges available. I am not trying to discredit, advertise, pump up, or damage reputations. If you feel something is inaccurate, please respectfully bring it up in the comments. I will be editing as we go. Last thing of note, I have only included the lowest level trading tier to calculate trading fees, which assumes the highest rates. Most exchanges offer lower fees for bigger orders, but I have gone with the assumption that everyone here is not dropping whale amounts of cash.

00 – Concepts and Definitions

01 –Digital Exchanges

Poloniex

Exchange Type Maker Taker
All Currencies .15% .25%
Feature Details
2FA Google Authenticator Available
Wallet Security ‘Majority’ of Funds in cold storage
Personal Information Encrypted and Stored Off-Site
Tier Level Name Email DOB Phone Address Official ID Bank Info KYC Limits
Level 1 X X $2,000 USD Daily Withdrawal Limit
Level 2 X X X X X X $7,000 USD Daily Withdrawal Limit
Level 3 X X X X X X $25,000 USD Daily Withdrawal Limit
Level 4 X X X X X X X X >$25,000 USD Daily Withdrawal Limit
What is a KYC? It stands for Know Your Customer Documentation. This varies between exchanges. However, like most things, if you have to ask, you probably can’t afford it.

Bittrex

Exchange Type Maker Taker
All Currencies .25% .25%
Feature Details
2FA Google Authenticator Available
Wallet Security Multi-stage wallet Majority’ of Funds in cold storage
Personal Information IP Whitelisting restricts trading from new addresses
Tier Level Name Email DOB Phone Address Official ID Bank Info KYC Limits
Basic X X X 3 BTC or less daily
Enhanced X X X X X X 100 BTC or less daily

02– Fiat Exchanges - USA

Coinbase (GDAX)

Country Credit/Debit Linked Bank Account Wire Transfer
Australia 3.99% - -
Canada 3.99% - -
Europe 3.99% 1.49% SEPA- Free (€0.15)
Singapore 3.99% 1.49% -
UK 3.99% - SEPA Free (€0.15)
US 3.99% 1.49% $10 Deposit / $25 With / ACH Free
Exchange Type Maker Taker
ETH/FIAT 0% .30%
ETH/BTC 0% .30%
Tier Level Name Email DOB Phone Address Official ID Bank Info KYC Limits
Level 1 X X X
Level 2 X X X X X Crypto Only
Level 3 X X X X X X X Fiat Enabled
Level 4 X X X X X X X X Higher Fiat Limits
Feature Details
2FA Google Authenticator, Authy, SMS
Wallet Security 98% Assets in Cold Storage
Personal Information 3rd Party Verified, Secured, Stored Offline
Digital Currency Insurance Fully Insured by Lloyd’s of London
Fiat Insurance Up to $250,000 by FDIC
Bug Bounty Multiple bounties up to $10,000

Kraken

Country Linked Bank Account Wire Transfer
EUR Free SEPA €5-10 (€0.09 Withdrawal)
US Free SWIFT $10 ($60 Withdrawal)
UK Free SWIFT £10 (£60 Withdrawal)
CAN Free SWIFT Free ($10 Withdrawal)
Exchange Type Maker Taker
ETH/FIAT .16% .26%
ETH/BTC .16% .26%
Tier Level Name Email DOB Phone Address Official ID Bank Info KYC Limits
Level 0 X No Trading Allowed
Level 1 X X X X No Fiat, Unlimited Crypto
Level 2 X X X X Fiat $2,000Day/$10,000Mo
Level 3 X X X X X X Fiat $25,000Day/$200,000Mo
Level 4 X X X X X X X X Fiat $100,000Day/$500,000Mo
Feature Details
2FA Google Authenticator, Master Key Available
Wallet Security Majority Assets in Cold Storage
Personal Information PGP Encrypted Emails, Global Settings Lock
Digital Currency Insurance Maintain Full Reserves
Bug Bounty Multiple bounties

Gemini

Country Linked Bank Account Wire Transfer
USD Free Free
Exchange Type Maker Taker
ETH/ALL .10-.25% .25%
Tier Level Name Email DOB Phone Address Official ID Bank Info KYC Limits
Individual X X X X X X X None - Except for ACH
Feature Details
2FA Google Authenticator, Authy Available
Hot Wallet Security Hot Wallet Hosted by Amazon Web Services
Cold Wallet Stored in 2 tiers of cold and 'cryo' multi-sig storage
Personal Information Encrypted in Transit and Stored Offline
Digital Currency Insurance Fidelity bond by 'top-tier insurance company'
Fiat Insurance Up to $250,000 by FDIC

03– Fiat Exchanges - Hong Kong

Bitfinex

Country Credit/Debit Bank Transfer Express Bank Transfer
ALL - .1% ($20 Minimum) 1% ($20 Minimum)
Exchange Type Maker Taker
ETH/ALL .10% .20%
Tier Level Name Email DOB Phone Address Official ID Bank Info KYC Limits
Individual X X X X X X (2) X X No Stated Limits
Feature Details
2FA Google Authenticator, Twilio Available
Account Security New IP Addresses locked for 24 hours, require verification and detection
System Security Hosted and Backed-up on Linux, protection from DDoS
Personal Information Email encryption with OpenPGP
Wallet Security Only .5% of funds are stored in hot wallets
EDIT : Thank you to u/Ginger_Bearded_Man for the suggestion. Bittrex has been added.
submitted by poop_dragon to ethtrader [link] [comments]

How I earn effortless passive income and how you can do, too! (includes refs)

Hey guys,

I'm a twenty-something student from Germany starting his journey to generate passive income and I would like to share my plan with you and maybe inspire you. I really start from scratch and being a STEM-related student money is tight and time is scarce, but I'm dedicated to get this shit up. So, here's what I'm going to do:

Getting some basic passive income up by running auto-surfing websites as much as I can. Claiming 1-2 times per day from a crypto faucet (takes so little time that i consider it passive). Using this income to invest into more sustainable passive income businesses like for example my t-shirt business or stockphotography. Designing a few designs every week to additionally get it going. Endgame: Youtube-Channel in the tutoring niche of a highly demanded but not yet provided topic in my subject. Maybe a unrelated health blog with affiliate links, let's see. Daydreaming, man. However, in this post I will just focus on the stuff you don't need time or money for to generate a basic passive income each month. I really encourage you to use this income to invest in further sources of passive income as they are all very unsustainable, but a good way to get that shit started.

But yeah, back to the small stuff´for now. Websites that generate passive income simply for leaving them open. It's called autosurfing and it's basically a website that pays you a small amount of money each minute to keep a tab open that redirects you to several sites. It is financed by websites paying the owner to get traffic. Most of them are fairly new so there is no payment proof for all of them yet and maybe one or two can turn out as a scam, but I give them a shot. I mean, hey it's free and you do not need to invest either time or money to get started. Just keep them all open in a window and forget about them. Needless to say they do not make you rich. You better find out for yourself, it's a real easy way to get some extra bucks. The links are ref-links which give both of us a small bonus. I will list pay per minute, minimum payout and max per month if you manage to run them 24/7 (which I don't, but maybe some of you are interested in it). You can cash out via paypal. Starting the list with the highest-paying ones. They all have the same layout, you just need to register individually for each one and click the start earning button.

1) Autosurfing

Cashmining.org $0,001/min. Min Withdrawal: $10. Max/30days: $43,2
This one seems too good to be true. But if they are legit I don't want to be the one missing out. Especially as it takes no effort at all to get it running and you can't lose, right? Can be a bit buggy when registrating. Just try a few times in case that happens.
getcashfree.info $0,0002/min. Min Withdrawal: $3. Max/30days: $8,46
Second highest paying one. Fairly new.
fastcashmining.com $0,00015/min. Min Withdrawal: $2,50. Max/30days: $6,48
miningtraffic.com $0,00012/min. Min Withdrawal: $1,50. Max/30days: $5,19
cashminingbot.com $0,0001/min. Min Withdrawal: $1,00. Max/30days: $4,32
moneymining.xyz $0,0001/min. Min Withdrawal: $2,00. Max/30days: $4,32
fancitos.com $0,0001/min. Min Withdrawal: $2,00. Max/30days: $4,32 -> spanish one, but easy to navigate

EDIT: There are some new now. I wrote a guide about autosurfing on medium to get you started. Check it out!

This can stack up to $76,29 a month if run 24/7. You get the point. If you only leave them open for 12 hours a day it's still like $38 dollar. There are also premium programs which can increase your earnings even further, but I want a few payments from a site before I look into them. There are few other websites which I skip here because the minimum withdrawal is way too high for the rate they pay or they're not available in english.

Another similiar website I can recommend is ebesucher.com. You can use their surfbar and it automatically directs you to websites that pay ebesucher money for traffic. Just like the other sites. It's a bit hard to calculate here since points per visited site do vary, but I estimate that it pulls in about $6 max per month if run non-stop.

Get all these websites running in one window and add radioearn.com for another roundabout $8,75 a month. You simply have to open 4 tabs with a radio (you can mute them) and get paid 1 point every 15 minutes. 1000 Points translate into $3,05 (January 19).

There are also Apps that pay you cash for swiping a banner away every time you unlock your phone or pay you to receive a few test-sms every other day, but I haven't looked into them yet. I will do so soon and update the post. Oh, and don't forget phone farming! True effortless passive income is real lol.

Well, wanna hear more options how you can easily earn some money each month with very low effort? Don't be afraid of cryptos if you aren't into them yet. You'll get into them pretty soon, I promise. And you should definitely give them a try considering that they can rise pretty high in value and can easily be converted to cash if you don't want to keep them. Free money is money, after all.

2) Cryptocurrency

So, now at first you need a wallet to do anything with bitcoin and other cryptocurrencies. There are a lot of free alternatives, just search the internet to get started. Personally, I use Atomic-wallet on my Laptop.

Next step you need to register on Coinpot.co. It is a microwallet where all your earnings from the following faucets are directly transfered to without a fee. A faucet is a website with a lot of ads on it that pays the visiter a share of the revenue in cryptocoin. Problem with most faucets is that you can claim the same amount of cryptos every set time, for example all 15 minutes you get 30 satoshi (bitcoin-unit), but if you claim every 50 minutes you'll also get 30 satoshi. And in most cases you need to accumulate a very big amount of coins to get them transferred to your wallet. This is not the problem with coinpot, however. The featured faucets all stack up. This is the big advantage. You can claim them every 5 minutes, but also only once a day or even every second day and the amount you get will still keep on getting higher. The withdrawal amount to get them to your wallet is also very low (3,6$ worth of cryptos) and can be easily reached within like 15 days. So yeah, I recommend you to get yourself a second e-mail for coinbot and the following stuff. Coinpot has a really nice layout and supports 5 different cryptocurrencies (Litecoin, Bitcoin, Bitcoincash, Dash, Dogecoin), which you can exchange for one another without fees. I always transfer all my cryptocoins and the tokens (you get tokens as bonus points every claim) to bitcoin to be able to withdraw them faster. Okay, so here's what you do:

You register on coinpot. And then you sign up with the same mail on these faucets:
Moonbitcoin faucet for Bitcoin
Moonlitecoin faucet for Litecoin
Moondogecoin faucet for Dogecoin
Moondashcoin faucet for Dash
Moonbitcoincash faucet for Bitcoincash
Bitfun another faucet for Bitcoin
(If you have some more spare time you can also join Bonusbitcoin, it won't stack up, but you can claim every 15 minutes and it will reward you with a daily bonus. Pays pretty decent, but isn't really that passive.

Here's how it works: The amount you get will stack up until you claim. When you claim you need to resolve a short chapta to prove you're human and you will receive your cryptos directly in your coinpot wallet. You will get tokens for each claim you make which you can exchange for cryptos. You will also receive a bonus each time you claim. +1% per each day you claim in a row and a random bonus between 0-100% which is really cool especially when you wait long for them to stack up and then receive some 87% bonus lol. You can claim every 5 minutes if you want, but it's not really worth your time. I suggest claiming them 1-2x a day, only 1x for the most passive way and to get your daily bonus going up. I claim them every now and then, mostly like 1-3x a day, sometimes when I'm on my laptop anyway and bored more often and I generate like $5 worth of cryptos a month. Considering you don't do anything but click the captchas a few times a day which takes you like 2 minutes for all of them it's a very nice small income stream.

Another cryptorelated thing which truly is completely passive is Mannabase. You should definitely check them out! They have a very appealing website and their vision is to create a universal basic income for every human being. You need to register, verify your ID to them and they will pay you some Manna every week without you doing anything. You can exchange this coin for bitcoin or dollar then.

3) Other stuff

This isn't actually passive, but I always keep Profilic.ac open, when I'm on my laptop. It is an academic survey portal that actually pays very high (like 9 British Pounds) per hour. They don't have many surveys, so I'll always let the window open and check from time to time if there is a survey I can reserve for myself.

I sometimes also use Grindabuck.com for some passive video watching and the daily check in bonus. Video section is a bit buggy though, so you need to babysit it a little more than the autosurf-websites. It's like Swagbucks where you can fill out surveys and stuff. But I don't invest much time on those, just do a survey once a while to get to the withdrawal amount on those. Oh, and Swagbucks is pretty nice for Cashback here in Germany.

So, yeah. That's my guide to all of the shit I do on the internet lol. You can easily pull in up to $80-90 a month if you're dedicated. It's up to you how much you use this stuff, but I think it's a good start to passive income. I aim for a minimum of $40 a month to invest in my more sustainable passive income businesses and try not to miss any free opportunities on my way. Right now I got a browser window open making money for me and another one with cryptos waiting to be claimed while I write this post. You could do that, too! Absolutely no effort besides the initial setup. If you use my referral-links you get some bonuses, support my journey and I hope you can start yours soon, too.

So long. Happy earnings and keep grinding!
submitted by kryptanthrax to clicksforbeermoney [link] [comments]

Man Predicting The Future in 1945 100% True - YouTube How Buster Became A Bitcoin Millionaire In 2 Years With Cryptocurrency Mining Endgame Director Addresses Vision's Fate - YouTube CONCEPT, NATURE, ASPECT AND FACTORS OF CREATIVITY Saleem Reshamwala: Strange Limits -- Using Weird Rules To Make More Interesting Work

Dennoch kann man diesen Stand als Fortschritt verbuchen. So steht es der BaFin erst seit Beginn des Jahres zu, darüber zu entscheiden, welche Unternehmen Bitcoin und andere Kryptowährungen verwahren dürfen und welche nicht. Noch im vergangenen Jahr war die rechtliche Lage eher unklar, Krypto-Verwahrer schwebten in einer Art Regulierungs-Vakuum. Die bis dahin vorläufig erteilten Lizenzen Der Bitcoin Kurs ist starken Schwankungen unterlegen, weil das Handelsvolumen zum Beispiel im Vergleich zu Gold oder Aktien noch sehr gering ist. Aktueller Bitcoin Kurs; Bitcoin Kursverlauf; Bitcoin Kurs Historie; Bitcoin Kurs Prognose; Der durchschnittliche Bitcoin Kurs beträgt aktuell 10.938,55 Euro 1 Std. -0,31 % 1 Tag: -0,86 % 7 Tage: 14,14 %. Tatsächlicher Kaufpreis (Kurs+Gebühren) bei ... Der Bitcoinkurs befindet sich bereits seit Ende Juni in einer Seitwärtsbewegung mit bemerkenswert wenig Volatilität. Der Korridor, in dem sich der Preis hin und her bewegt, schwankt zwischen ... Die neue elektronische Währung Bitcoin ist sicher, kostengünstig und komfortabel. Kaufen Sie schnell und günstig mit Bitcoins weltweit ein. Auf Bitcoin.de können Sie Bitcoins kaufen und handeln. Bitcoin-Kurs für heute ist $13.001,76 mit einem 24-stündigen Handelsvolumen von $19.588.439.487. BTC-Kurs ist um -0.8% gefallen in den letzten 24 Stunden. Es gibt derzeit eine Gesamtanzahl von 19 Millionen Kryptowährungen und eine maximale Anzahl von 21 Millionen Kryptowährungen.FTX ist der Markt mit dem aktuell aktivsten Handel.

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Man Predicting The Future in 1945 100% True - YouTube

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